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 secured loan with Welcome in Jan 04, lost my job in Apr 04 and was told I couldn't claim on PPI. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.
I took out a secured loan with Welcome in Jan 04, lost my job in Apr 04 and was told I couldn't claim on PPI. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.
I managed to claim back to 1997 but against RBS and Direct Line Financial Services. Not sure how you will stand with Welcome but I would send a Subject access request to get all of your information and take it from there.
Please see these links which may help you decide on a course of action.
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.
PPI help
. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.
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