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.
Hi allsorry if this is confused new to thisi bought a car from yes car credit..kept it 2 yrs paying £155.11 monthly i missed some payments but always made them up at the time i was self employed ....and my partner worked for an agencythe car was returned on the 13th month of a 48month contractwe had paid 3693.71 total by thenthe car was sold at auction and we was sent a bill for 4,035.39 as outstanding ps car got £375 at auction DCA tell me i have to pay £3510 but the will reduce by 25% if i pay in one payment as all yes car customers know 50% of loan is PPI mbi and gap insnow im not adverse to paying but the dca keep wanting to raise the payments to lower the time scale i do have a copy of the agreement but i was not made aware that as i was self employed and the sales staff were aware of the facts i would still need these insurancesplease can you help
Hi allsorry if this is confused new to thisi bought a car from yes car credit..kept it 2 yrs paying £155.11 monthly i missed some payments but always made them up at the time i was self employed ....and my partner worked for an agencythe car was returned on the 13th month of a 48month contractwe had paid 3693.71 total by thenthe car was sold at auction and we was sent a bill for 4,035.39 as outstanding ps car got £375 at auctiondca tell me i have to pay £3510 but the will reduce by 25% if i pay in one payment as all yes car customers know 50% of loan is PPI mbi and gap insnow im not adverse to paying but the dca keep wanting to raise the payments to lower the time scale i do have a copy of the agreement but i was not made aware that as i was self employed and the sales staff were aware of the facts i would still need these insurancesplease can you help
You could claim back the PPI on the loan if the terms and conditions have an exclusion of cover if you were self employed. You should get more help on the DCA issues in this forum....
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.
update have now got a copy of credit agreement and payments schedule could you please look if i post to check alls ok....continuing to pay DCA at lowrate whilst checking....thanks so much for your assistance
post it up but remove all the personal information, names account number, sort codes, telephone numbers.
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.
daf again
and we was sent a bill for 4,035.39 as outstanding ps car got £375 at auction DCA
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