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.
My friend took out a loan in 2002 to buy a car, she was a student at the time on a meagre bursary so her then partner went on the loan with her. They went on to split up later that year due to his belief she was a punchbag.
She fell into arrears with the loan but all correspondence went to her, she went on a dmp and has now paid it all off - her ex never paid a penny.
She then received notification recently that she was missold the PPI and was due a refund, to the tune of £1300.
Snag is that they need the signature of her ex to release the funds. Obviously, she doesn't wish to get in touch with him as he's a nasty piece of work.
Is there anything she can do in order to get the PPI refund without getting in touch with her ex?
My friend took out a loan in 2002 to buy a car, she was a student at the time on a meagre bursary so her then partner went on the loan with her. They went on to split up later that year due to his belief she was a punchbag.
She fell into arrears with the loan but all correspondence went to her, she went on a dmp and has now paid it all off - her ex never paid a penny.
She then received notification recently that she was missold the PPI and was due a refund, to the tune of £1300.
Snag is that they need the signature of her ex to release the funds. Obviously, she doesn't wish to get in touch with him as he's a nasty piece of work.
Is there anything she can do in order to get the PPI refund without getting in touch with her ex?
Perhaps a letter explaining all of this to the loan company together with some information on the dmp, statements could be useful.
If this is not acceptable your friend may have to approach her ex with someone along to support.
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.
Would proof of all payments made by her be useful? I'm sure she could provide these proofs.
Seeing her ex is a no go, he is an evil, evil person who if my friend have had the confidence, would be serving time at hotel Her Maj for what he put her through.
Would proof of all payments made by her be useful? I'm sure she could provide these proofs.
They would IMO add weight to any letter explaining fully the situation as described in previous posts.
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.
Joint loan and PPI refund?
and has now paid it all off - her ex never paid a penny.
Reply With Quote
