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 know i need to start another thread for my cap one battle and will, just had a reply , a copy of my so called tick in the insurance box which i do not ever recall ticking its on one of their broucher type pamphlets that they use to send you , i could swear its been addded on, and the consumer credit act bit has got some marker pen squiggles and a line through some of it . i think its been tampered with and my next move is to deny it and queery the fact that its been tampered with, in 2003 as luckily now i have the same safe job as i did then ,and just know i never ticked that box. this is a PPI claim
know i need to start another thread for my cap one battle and will, just had a reply , a copy of my so called tick in the insurance box which i do not ever recall ticking its on one of their broucher type pamphlets that they use to send you , i could swear its been addded on, and the consumer credit act bit has got some marker pen squiggles and a line through some of it . i think its been tampered with and my next move is to deny it and queery the fact that its been tampered with, (this may be the subject of another inquiry and a different thread) in 2003 as luckily now i have the same safe job as i did then ,and just know i never ticked that box. this is a PPI claim
can you post up a copy of the agreement? remember to remove all personal information before posting on this thread ie take out names, sort codes, account numbers, telephone numbers etc.
We can then see the agreement and get advice
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.
thankyou and here goes ,not sure if i have done right here , its one of those leaflets you get that they send out with your name and address on etc ,i know i would of never ticked the box , and what with a divorce etc never thougth to check , because never ticked , so like most people you goe through life,not checking these thing and trusting various financial big brands ,ha large wake up call
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.
as i said because i never ticked like a fool i never checked, i will contest this and use the fact that their employees are profit in any way shape or form driven,i never recieved any paperwork regarding the policy whatso ever,
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.
Gather all the information you can. You should receive a true copy of the original agreement together with the terms and conditions applicable at the time, copies of all statements, all records including letters, recordings or transcripts of telephone conversations (you may have to provide details on this), any other data recorded on any media written, electronic, cd etc.
Also specifically ask for a copy of the needs and wants/customer duty of care questionnaire which they are obliged to fill in when asking you questions on the phone.
hope this gets you rolling
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.
many thanks aa, even though it was just a sales leaflet that classed as a contract and not a pre contractual application re davey77 vs cap one ? . i checked the links and do believe i have a claim, and also surely you have to recieve some sort of paperwork ref the policy or am i wrong, being a keeper of all my paperwork over the years and never bin it, iv e nothing from them ,have done my SAR to them in march , only recieved the iffy copy of the original leaflet appl with my so called tick in the PPI box which i maintain i never ticked and think maybe wrongly or rightly that it was by a profit driven employee , but thats my opin ha biased , will stick to the fact that i never signed ticked it or recieved paperwork or was explained etc about said policy and nothing suggested that the ppi was in place . will do as you advise and ask for all the relevent records etc in my next letter . whilst i am in a dispute with them i have been sending them a payment albeit not there one but my minimum just to look good should as i suspect it will go to court,
ive nothing to loose because i no i am right , my jobs sound touch wood , and have been awoken since my first browse on this site , and now i find myself feet first in dispute with cap 1 barclaycard , HSBC gold card , hsbc business& private accounts spanning 20 yrs , fund corp from 2 previous loans , A&L to ha blackhorse, all SAR s been sent already had a result from MY STUFF a barclay card spin off whom helped themselves to almost seven pound a month for a year, retrived all back plus comp cheque , ha i love turning the tables on them , and although i do not expect a 100% strike rate i will go for it with all of em, my partners very understanding bless her , and we are just back from a break and off again in june, and in between we have her son due back from his post in fiji with unicef and her daughter from the usa so will be busy , and app all the help you and others give many thanks , sorry about the life story
HI AA had a reply back from this slippery lot, saying i need to send of my £11 when i did in march (Delaying tactic ) so sent one back saying so plus proof of my first letter and cheque number etc any thing else can i do
HI AA had a reply back from this slippery lot, saying i need to send of my £11 when i did in march (Delaying tactic ) so sent one back saying so plus proof of my first letter and cheque number etc any thing else can i do
check your statements to see if the cheque has been cashed if it has insist on all the data requested in your SAR if they fail to produce bang in a complaint to the Office of Fair Trading and the Information Commissioners Office.
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.
Many thanks, will do as you advise , every letter is signed for and tracked via the post office, so i have a record of that too, will keep you posted as to their reply , thankyou AA
hi have recieved my SAR apart from the PPI , that i am after , can any other fee be sought ie cheque handling fee ,cash interest fee , cash advance fee, late payment , and to take this further, ie court will i need to do on a spreadsheet with interest and how do you work the interesr out ,plus do you add on interest as per courts proceedure, many thanks if you can help or guide me on this
charley2212 help with Cap1 PPI Claim
battle and will, just had a reply , a copy of my so called tick in the insurance box which i do not ever recall ticking its on one of their broucher type pamphlets that they use to send you , i could swear its been addded on, and the consumer credit act bit has got some marker pen squiggles and a line through some of it . i think its been tampered with and my next move is to deny it and queery the fact that its been tampered with, in 2003 as luckily now i have the same safe job as i did then ,and just know i never ticked that box. this is a PPI
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, because never ticked , so like most people you goe through life,not checking these thing and trusting various financial big brands ,ha large wake up call 
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my partners very understanding bless her , and we are just back from a break and off again in june, and in between we have her son due back from his post in fiji with unicef and her daughter from the usa so will be busy , and app all the help you and others give many thanks , sorry about the life story
