Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I took out a loan with the above in March 99 for 36 months. Due to various ongoing financial problems I have been unable for the last 5 years to pay the required payment, but have made intermittent small payments until recently as our position has deteriorated.
Out of the blue, the A&L have sent me a full statement of my account and it shows the full details of the loan, plus the insurance added to the debt, plus a 2 page Breakdown of my payments.
Is it possible to query the insurance premium which I'd forgotten about and if so where do I start to look The premium now represents a third of the total owed remaining.
I took out a loan with the above in March 99 for 36 months. Due to various ongoing financial problems I have been unable for the last 5 years to pay the required payment, but have made intermittent small payments until recently as our position has deteriorated.
Out of the blue, the A&L have sent me a full statement of my account and it shows the full details of the loan, plus the insurance added to the debt, plus a 2 page Breakdown of my payments.
Is it possible to query the insurance premium which I'd forgotten about and if so where do I start to look The premium now represents a third of the total owed remaining.
I would start by sending them a Subject access request the fee you will be required to pay is £10.00.
They must then supply you with a true copy of the credit agreement together with the terms and conditions applicable at the time of the agreement, statement of account and any other data namely letters and other recorded details against you as a data subject. They have 40 days to comply with the request by law. If they fail to meet the deadline then complain to the Information Commissioners Office.
You can cancel the PPI premium and if you have solid ground for claiming mis-sold PPI claim back all the premiums paid plus the interest on them and Statutory 8% interest on top as would be awarded if you won in court.
hope this gets you on the road to get your cash back
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Alliance and Leicester ppi enquiry
of my payments.
Reply With Quote
