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 a large loan with Firstplus about 7 years ago and regretted it since day 1. The PPI premium was something in the region of £18,500 and my monthly payments were in excess of a £1100 per month including the PPI.
I did make a claim against them when suffering a back injury and my payments were made for about 3 months.
Eventually the strain of the payment forced me into remortgaging my property and ditching Firstplus once and for all.
After paying over £36000 in premiums to them i still owed substantially more than i borrowed and i was just glad to lose the debt.
Does anyone think i should pursue a claim as i had no idea what i had signed up for at the time?
I sent them a SAR about 30 days ago, they have cashed the Postal order but nothing arrived yet.
I took a large loan with Firstplus about 7 years ago and regretted it since day 1. The PPI premium was something in the region of £18,500 and my monthly payments were in excess of a £1100 per month including the PPI. I did make a claim against them when suffering a back injury and my payments were made for about 3 months.
Eventually the strain of the payment forced me into remortgaging my property and ditching Firstplus once and for all.
After paying over £36000 in premiums to them i still owed substantially more than i borrowed and i was just glad to lose the debt.
Does anyone think i should pursue a claim as i had no idea what i had signed up for at the time?
I sent them a SAR about 30 days ago, they have cashed the Postal order but nothing arrived yet.
Having made a successful claim and received payments from the PPI, I don't think you will have any luck trying to claim this was mis-sold.
Having made a successful claim and received payments from the PPI, I don't think you will have any luck trying to claim this was mis-sold.
enamae
Thanks. i did mention this to someone who said that the claim wasnt the issue. The fact is the policy would only pay for 12 months so therfore i paid £18500 for something that i could have just subsidised myself. Got to say i think you are probably right, but the issue is was the policy missold in the first place?
Thanks. i did mention this to someone who said that the claim wasnt the issue. The fact is the policy would only pay for 12 months so therfore i paid £18500 for something that i could have just subsidised myself. Got to say i think you are probably right, but the issue is was the policy missold in the first place?
IMO for a figure of £18,500 there should be nothing stopping you from at least trying for a reclaim. Nothing ventured nothing gained especially in the light of the mis-selling. A Subject access request cost £10.00 has to be worth a shot even though you did make a claim especially when you get the results of your SAR. Also remember they only have 40 days in law to respond to your SAR.
more info later when I get my own pc back and a workable ISP
aa
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.
IMO for a figure of £18,500 there should be nothing stopping you from at least trying for a reclaim. Nothing ventured nothing gained especially in the light of the mis-selling. A Subject access request cost £10.00 has to be worth a shot even though you did make a claim especially when you get the results of your SAR. Also remember they only have 40 days in law to respond to your SAR.
more info later when I get my own pc back and a workable ISP
aa
Can anyone tell me what action i should take after the 40 days are up please.
Can anyone tell me what action i should take after the 40 days are up please.
You can take the following actions;
1. send a formal letter of complaint to the Information Commissioners Office.
or send a Letter Before Action prior to proceeding to action including court if needed
aa
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.
You can take the following actions;
1. send a formal letter of complaint to the Information Commissioners Office.
or send a letter before action prior to proceeding to action including court if needed
Sent the letter and today received about 200 pages of correspondence. Unbelievably they have also included information relating to another customer. (should i contact the customer)?
It transpires that a loan i had in my name included £7.5k of single premium PPI which i then refinanced and had a further premium of £18.300.
I know most will tell me what action to take, but due to the large amount i have seen and instructed a solicitor who specialises in missold PPI and has a particular fondness for Firstplus.
Wont be cheap if i win, but started with nothing and potential of a £20k plus claim will make me very happy.
Will keep you all informed. Thanks
Sent the letter and today received about 200 pages of correspondence. Unbelievably they have also included information relating to another customer. (should i contact the customer)?
Yes as a matter of his Data Protection Rights you should make him aware his data is not safe and also send the information on this breach to the Information Commissioners Office they will be very pleased to see it IMO
the links should help you with telephones and addresses
aa
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.
Yes as a matter of his Data Protection Rights you should make him aware his data is not safe and also send the information on this breach to the Information Commissioners Office they will be very pleased to see it IMO
the links should help you with telephones and addresses
aa
Just had a response from the solicitor. Seems the first loan was sold by an independent company which has gone bust. there is a body called Financial Services Compensation Scheme for issues like this but my loan is before it was introduced. Still awaiting a response on the second loan which was definitely within the time limits.
at least you can see the site an check out the info.
aa
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.
Firstplus PPI £18500. Help needed to claim.
premium was something in the region of £18,500 and my monthly payments were in excess of a £1100 per month including the PPI.
Reply With Quote
Originally Posted by hitchy1
