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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 20th April 2009 10:41 #1
    CornishMaid CornishMaid is offline
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    Question Halifax Total Mortgage Payment Protection reclaim

    Hi, just wondering if anyone has any info regarding reclaims on this type of policy?

    We transferred our Halifaxicon mortgageicon to a tracker rate in 2001. We were told that our existing mortgageicon payment plan with them was "inadequate" (the advisers exact words) and we would have to take out the new TMPP policy in order to qualify for the tracker rate. Being incredibly naive at that time and being on friendly terms with the adviser we did not question this.

    Having joined this site to deal with other financial problems I now feel that we were missoldicon the policy, especially as it is essentially useless. The only extra cover it gave us was £2000 death/critical illness cover but our insurance premiums doubled.

    I sent a reclaim letter at the end of Feb but have received no reply - just waiting for the 8 weeks to be fully up before I make my next move.

    Would appreciate any information on success/failure on reclaiming premiums paid for this particular type of policy.

    Many thanks, CM.

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  2. 20th April 2009 20:53 #2
    alanalana alanalana is offline
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    Default Re: Halifax Total Mortgage Payment Protection reclaim

    Hello CM,

    Hi, just wondering if anyone has any info regarding reclaims on this type of policy?

    We transferred our Halifax mortgageicon to a tracker rate in 2001. We were told that our existing mortgageicon payment plan with them was "inadequate" (the advisers exact words) and we would have to take out the new TMPP policy in order to qualify for the tracker rate. Being incredibly naive at that time and being on friendly terms with the adviser we did not question this.

    Having joined this site to deal with other financial problems I now feel that we were missoldicon the policy, especially as it is essentially useless. The only extra cover it gave us was £2000 death/critical illness cover but our insurance premiums doubled.

    I sent a reclaim letter at the end of Feb but have received no reply - just waiting for the 8 weeks to be fully up before I make my next move.

    Would appreciate any information on success/failure on reclaiming premiums paid for this particular type of policy.

    Many thanks, CM.
    You may find something useful on this forum all about mortgages and secured loans.

    Mortgages and Secured Loans

    or this one on HBOSicon

    Halifax Bank and Bank of Scotland

    I hope this will help

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