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.
On May 2008 i got a loan from A&L for 6K. now i cant recall signing an agreement (silly i know) for the PPI but it is still coming off and i dont even want it, i never wanted it in the first place as i know its not worth the paper its wrote on.
Total amount payable for the PPI is £451.68. Can i challenge them? I believe they were fined for misselling PPI' for £7m?
hiya snake, i'm in the process off claiming back PPI off A&L. mine was a phone application , i think the £7m fine was concerning phone applications. Perhaps the person that sold you the loan told you to accept the ppi to make sure your loan application was approved.
hi,just send them a letter stating you was mis-sold and the reason why and they will pay you,i,ve had two claims off them totaling £6000 and they paid out with ease.
Hi Snake
I took a loan out with a&l in 2004 and topped it up in 2005 both done over the phone. I Sent them a PPI SARS in november asking for all info on both my loans.
After a few letters to and fro i received an offer of all ppi premiums on both loans just waiting for my cheques.
I used the SARS below, i just included a cheque for £10 and sent it recorded delivery (that way you know they've received it) They have 40 days to comply with your request but allow a couple of days for postage.
Stick to your timetable they will use delay tactics !
ALLIANCE & LEICESTER PLC
CARLTON PARK
NARBOROUGH
LEICESTER
LE19 0AL
I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts.
Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organization.
-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
I enclose a cheque in the sum of £10 to cover your fee.
IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.
I look forward to hearing from you in the first instance of receipt of this letter.
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)