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.
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.
If you decide you have a valid claim for mis-selling you need to get the information. You do this by submission of this.....
A true copy of the original Consumer Credit Agreement with the terms and conditions that applied at the date of the CCA.
Copies of all statements up to date,
A copy of the needs and wants/customer duty of care questionnaire which should be completed by staff at the point of sale to ensure all the correct questions have been asked to ensure the product is suitable for you.
All other data in whatever format the data is held on ie paper, electronic, cd, floppy disk, tape or transcipts of tape recordings, microfiche, emails letters faxes in fact anything that relates to you as a data subject with their organisation.
the fee is £10.00 and they have a statutory 40 days plus 2 for postage delivery both ways to supply what you ask for.
If they fail to respond then the ICO, OFT or Court comes into play.
hope this helps keep posting with updates and questions someone will pick up on them and help out
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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.
Do i qualify
etc.
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