Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    snakeio115 Novitiate

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    Default Alliance and Leicester PPI-Can i claim?

    On May 2008 i got a loan from A&L for 6K. now i cant recall signing an agreement (silly i know) for the PPIicon 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?

    Any help is Appreciated.

    Regards

    Ian


  2. #2
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    zcars6 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    hiya snake, i'm in the process off claiming back PPIicon 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.


  3. #3
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    snakeio115 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    Mine was done through the phone as well. never talked to anyone face to face.


  4. #4
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    zcars6 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    phone them up, tell them the score and start the ball rolling...i will update you on my claim as it goes through....


  5. #5
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    zcars6 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    ps....check out my thread...that might give you better advice


  6. #6
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    snakeio115 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    will do thanks. wheres the link for ur thread?


  7. #7
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    zcars6 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    if you just click on my name , that should bring it up


  8. #8
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    tiger33 Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    hi,just send them a letter stating you was mis-soldicon and the reason why and they will pay you,i,ve had two claims off them totaling £6000 and they paid out with ease.


  9. #9
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    ronvin Novitiate

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    Default Re: Alliance and Leicester PPI-Can i claim?

    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 PPIicon 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



    DATA PROTECTION ACT 1998
    Subject access requesticon


    Dear Sir/Madam

    Your name
    Account No’s-


    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)


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE