Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 12th April 2009 13:45 #1
    postggj postggj is offline
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    Default Norwich Union And Secret Commission Payments

    When A Policy Is Taken Out And Is Underwritten Say By Norwich Union, All Commission Payments Have To Be Disclosed At Point Of Sale.

    Thats The Finance Company Who Flogged The Policy, Any Company Who Addmin The Policy, And Any Underwriter.

    The Point Is Trying To Get Norwich Union To Addmitt It Has Received A Back Hander And That It Has Not Been Disclosed.
    You Expect This Practice Through A Micky Mouse Finance Company But Not Norwich Union.
    Are They Just As Corupt As Every One Else.

    I Have Proof That Norwich Union Recive These Commission Payments And They Will Not Disclose Anything Now.

    I Have A Meeting With Norwich Union At The Head Office On Tuesday As I Have Been Pushing The Right Buttonts And They Want To Know What I Have


    Any Sugestions

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  2. 12th April 2009 14:06 #2
    andie_303 andie_303 is offline
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    Default Re: Norwich Union And Secret Commission Payments

    definatly subbingicon this

    been given some advice by JonCris about it so anything else that comes up I'd be interested to ram back down Mrs D's throat!!

    Drafted a letter to NU CEO along with a copy of the letter you have seen asking for his take on the matter.

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





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  3. 12th April 2009 14:07 #3
    andie_303 andie_303 is offline
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    Default Re: Norwich Union And Secret Commission Payments

    Also we need to get the same thing admitted from the policy seller and policy administrator surely not just the underwriter?

    I am a layperson and have no legal training but I do have an iota of common sense (sometimes)

    Welcome Finance PPI -----> over £3k court case filed SETTLED

    Park Motor Finance -----> incorrectly logged default on credit file claim for compensation

    Lloyds Tsb ----> plenty of things all filed with Financial Ombudsman or Small Claims ----> settled by paying me full amount sought 02/05/09

    Easy Jet ----> damaged pushchair offered £232.50 pursued claim awarded £465

    Black Horse ----> Outstanding balance of £574.00 made up of charges and interest ----> account closed after accepting F&F settlement of £100.





    <--------- If I have helped please tip my scales (bet thats the only time you'll hear a woman say that )
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  4. 12th April 2009 21:37 #4
    alanalana alanalana is offline
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    Default Re: Norwich Union And Secret Commission Payments

    hello postggj,

    When A Policy Is Taken Out And Is Underwritten Say By Norwich Union, All Commission Payments Have To Be Disclosed At Point Of Sale.

    Thats The Finance Company Who Flogged The Policy, Any Company Who Addmin The Policy, And Any Underwriter.

    The Point Is Trying To Get Norwich Union To Addmitt It Has Received A Back Hander And That It Has Not Been Disclosed.
    You Expect This Practice Through A Micky Mouse Finance Company But Not Norwich Union.
    Are They Just As Corupt As Every One Else.

    I Have Proof That Norwich Union Recive These Commission Payments And They Will Not Disclose Anything Now.

    I Have A Meeting With Norwich Union At The Head Office On Tuesday As I Have Been Pushing The Right Buttonts And They Want To Know What I Have


    Any Sugestions
    My only suggestion would be to keep something in reserve at the meeting do not fully disclose all you have. Keep them wondering if all is disclosed it will give them ample time to come up with a solution so IMO caution is the name of the game.

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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  5. 13th April 2009 09:19 #5
    angry cat angry cat is offline
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    Default Re: Norwich Union And Secret Commission Payments

    MBNAicon PPIicon prior to November 2004 was provided by London & Edinburgh, part of Norwich Union

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE