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.
Hello After many phone calls from a company saying they can reclaim me thousands of PPI paid on my old mortgage, it got me thinking, if they can do it why can't i?
Anyway i've sent off my sars and my £10 their 40 days is up today thats including a couple of days for postage each way. I will send them a breach of the dpa tomorrow
Will keep you posted
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)
Hello After many phone calls from a company saying they can reclaim me thousands of PPI paid on my old mortgage, it got me thinking, if they can do it why can't i?
Anyway i've sent off my sars and my £10 their 40 days is up today thats including a couple of days for postage each way. I will send them a breach of the Data Protection Act tomorrow
Will keep you posted :grin:
Don't forget to send a copy to the Information Commissioners Office....
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.
Recieved information from the Halifax today, I've never seen so much paper !!!
It had everything i have ever done with the halifax (even the savings account my mum opened for me when i was just a nipper)a whole 13 years of my finances, its quite depressing really. Think they might have a bit of a telling off as it came special delivery also.
Was a nice suprise to find i had a credit card with them and it had penalty charges on it !!! Whoopie
Might take me a while to sift through it all, will keep you all informed !!!
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)
Recieved information from the Halifax today, I've never seen so much paper !!!
It had everything i have ever done with the halifax (even the savings account my mum opened for me when i was just a nipper)a whole 13 years of my finances, its quite depressing really. Think they might have a bit of a telling off as it came special delivery also. (or they may have been reading your thread previous post about a complaint heading off to the ICO )
Was a nice suprise to find i had a credit card with them and it had penalty charges on it !!! Whoopie
Might take me a while to sift through it all, will keep you all informed !!!
Things can move along now keep at them
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.
After going through the mound of paperwork (with a bit of help from my mummy ) it seems that they have applied PPI on my actual mortgage, ci cover and life cover. Cheeky bleeders.
Did i really need or ask for all that ? i don't think so!!! The lady was so nice when we took out our mortgage, now i know why!!!
So i've sent them a letter asking them to return all premiums paid on insurances, there was also a few late payment fees on there, so i've requested them back also, plus 8% interest obviously. 6 yrs of payments adds up to a nice sum, woul be fab to get it all back
Will keep you informed
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)
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)
Forgot to say i've worked out a daily interest amount and that they must consider me for compo as i've been deprived of this money for sixish years now because of their ridiculous insurances that i didn't need and could have got considerably cheaper elsewhere.
If you don't ask you don't get, right !
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)
Forgot to say i've worked out a daily interest amount and that they must consider me for compo as i've been deprived of this money for sixish years now because of their ridiculous insurances that i didn't need and could have got considerably cheaper elsewhere.
If you don't ask you don't get, right !
Right! keep at them
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.
Halifax Mortgage ppi
from a company saying they can reclaim me thousands of PPI
Reply With Quote
)
