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.
Some years ago Hfs Loans brokered a secured loan for me with a £7000 PPI. I am certain that this was missold and last year complained to Cap1 who had taken over Hfs. I got nowhere with them - they had no records but because I had signed an agreement which said I had received details of the policy they claim the ppi was not missold. I had not in fact received any details despite my signing. The complaint is with fos and nearly to the top of the pile. Recently Cap1 have been back in touch for the first time and would like details of the cost of ppi and interest paid from the lender. Where should I go from here? Should I request anything? Please advise!
Some years ago Hfs Loans brokered a secured loan for me with a £7000 PPI. I am certain that this was missold and last year complained to Cap1 who had taken over Hfs. I got nowhere with them - they had no records but because I had signed an agreement which said I had received details of the policy they claim the ppi was not missold. I had not in fact received any details despite my signing. The complaint is with fos and nearly to the top of the pile. Recently Cap1 have been back in touch for the first time and would like details of the cost of ppi and interest paid from the lender. Where should I go from here? Should I request anything? Please advise!
When you say they have been in touch was this by letter? if so send a copy to the FOS. If the contact was by phone I would write back asking them to put into writing exactly what information they require you to provide. Once you have the detail in writing you can then respond giving them the basic information and send their letter and your response to the FOS tagged with you complaint reference number.
hope this helps
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.
Thanks for that. The contact was by phone; they need me to provide an authority for the loan company (LMC) to disclose the information to Cap1. Apparently they are sending me this authority to sign (including a prepaid envelope) but it has not arrived yet. I'd value advice on this. Are they looking to settle,do you think? Am I scuppering my chances with fos? I reckon I am owed £7000 for the PPI and around £5000 interest before thinking of any extra interest at 8%. help!
Thanks for that. The contact was by phone; (Keep everything in writing and always send recorded delivery at least so you can track and confirm delivery) they need me to provide an authority for the loan company (LMC) to disclose the information to Cap1. Apparently they are sending me this authority to sign (including a prepaid envelope) but it has not arrived yet. I'd value advice on this. Are they looking to settle,do you think? (This could be a possibility IMO but if it is, you can bet they will not offer what you are expecting and it will be a goodwill gesture without admission of any liability). Am I scuppering my chances with fos? (I would as suggested in my earlier post get the letters and copy to the FOS. You could provide the authority for disclosure and you may get an offer but beware these people are trying to wriggle out of paying back what is due and sidestepping a large fine by the FSA) I reckon I am owed £7000 for the PPI and around £5000 interest before thinking of any extra interest at 8%. help!
Whatever course you decide to go for always keep the FOS fully updated with any further correspondence both ways since the complaint was lodged.
At the end of the day only you can make the call on what to do all caggers can do is offer some help and advice but not make your decisions for you.
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.
I am new to this site and not very expert. I value your advice and will certainly copy everything to fos. Will the FOS have contacted them recently,perhaps,and that's why they have taken up contact? I heard nothing from Cap1 since their final response last July.
I am new to this site and not very expert. I value your advice and will certainly copy everything to fos. Will the FOS have contacted them recently,perhaps,and that's why they have taken up contact? I heard nothing from Cap1 since their final response last July.
I am not new to this site and still not very expert
The FOS may well have contacted them and so you get some response after several months. If this is the case then it seems like FOS maybe getting some results for you. Let us hope this is going to move things forward for you
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.
Cap1 PPI/FOS
. I am certain that this was missold and last year complained to Cap1 who had taken over Hfs. I got nowhere with them - they had no records but because I had signed an agreement which said I had received details of the policy they claim the ppi was not missold. I had not in fact received any details despite my signing. The complaint is with fos
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