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.
Can anyone tell me where on the site I can find a template for a lba for PPI. I have sent off the request letter nearly 5 weeks ago to Blackhorse asking for mis-sold PPI and received a letter back saying they were investigating and I would hear when they have finished their investigation. I want to send an LBA as I think they have had enough time.
Can anyone tell me where on the site I can find a template for a LBA for PPI. I have sent off the request letter nearly 5 weeks ago to Blackhorse asking for mis-sold PPI and received a letter back saying they were investigating and I would hear when they have finished their investigation. I want to send an LBA as I think they have had enough time.
THANKS
Have you sent a Subject access request? IMO I would suggest a SAR first, so you can obtain all of the data blackhorse hold on you and your loan.
This will give them 40 days to provide a true copy of your credit agreement, terms and conditions applicable to that agreement, up to date statement of account, and any other files, documents, recordings they have referring to you and your account. If they do not provide a satisfactory response within the 40 day statutory period or you believe there is missing information you can then complain to the Information Commissioners Office for their failure to comply with the Data Protection Act 1998. I would suggest you gather and prepare before proceeding to Court.
Can you post what grounds you are claiming mis-selling on please?
Have you seen all the information in the stickies at the top of the forum?
If you also go to the Financial Ombudsman Service they will be able to offer advice to you to get you started the fos takes longer but removes the burden of Court proceedings especially if you do not have the full set of documentation.
Hope this helps but here is the LBA link for you should you decide to proceed down that route.
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.
Thanks for your help. Yes I do have a SAR. I sent off for that ages ago and have now sent my letter with a Breakdown of the charges to them. I believe they have missold me the PPI as when I took out the loan I was never given an option of whether I wanted it or not. I was lead to believe that it was compulsory or I wouldn't get the loan.
Lba For Ppi
for PPI
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