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.
sorry new to this can anyone help! apologies if this is the wrong place. myself and my husband went on the sick from work last year(march 2008) couldn't afford to pay mortgage got 3 mths behind, shelter put us to mortgage rescue, we sold house to housing association rather than have it repossesed. we have just recieved a letter from mortgage company saying PPI is due for renewal, phoned them and asked when policy taken out they said june 2004 it expires june 2009. we knew nothing about this i have gone through all paperwork from when we purchased house in 1999 and nothing there regards ppi. now lost home for nothing any suggestions please.
sorry new to this can anyone help! apologies if this is the wrong place. myself and my husband went on the sick from work last year(march 200 couldn't afford to pay mortgage got 3 mths behind, shelter put us to mortgage rescue, we sold house to housing association rather than have it repossesed. we have just recieved a letter from mortgage company saying PPI is due for renewal, phoned them and asked when policy taken out they said june 2004 it expires june 2009. we knew nothing about this i have gone through all paperwork from when we purchased house in 1999 and nothing there regards ppi. now lost home for nothing any suggestions please.
Firstly can you give details on the mortgage company?
The PPI may have been mis-sold please see these links to make an assessment and if you have a cause for a claim re post for more advice.
You need to find out how much PPI you have been paying?
Do you have original Consumer Credit Agreement or mortgage agreement with the PPI details?
There is in fact a lot more information in the stickies at the top of the forum and in this link...............links
It's a case of research the info gather the evidence and fight back.
Hope this gets you interested in a fight with your PPI creditor.
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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.
thanks for response hope i have done this right apologies if not. This will take me a few days because it looks like i have had 3 policies with different companies all running at the same time, very confusing and going to spend next few days trying to sort out what companies they were with. The policy i originally enquired about seems to have been with Northern Rock and we paid £1,780 in full in June 2004 obviously when we took out the mortgage. One of the other PPI is with Abbey.
Oh dear have checked paperwork and have found this information:
Capstone Mortgages:
original loan £16,380 23rd March 2005, paid in full 4th August 2005. PPI £2380 Applied for refund 3rd September 2007, letter saying as loan taken with SSPL nothing to do with them.
Future Mortgages :
Original loan 10,661.66 23rd August 2002, paid in full 3rd September 2003
PPI 1300.00 single premium only
Northern Rock:
original loan 57.500 11th June 2004 paid in full June 2006
PPI £1,785.00 single premium only this expires 10th June 2009.
GE Money:
Original loan £6,000 17th May 2007 paid in full 8th September 2008
PPI £1660.50 plus intrest total of PPI £2927.10 joint premium
I have the original agreements for all companies, i have written to all the above to ask for PPI and await response. if anyone has any further information for me this would be welcomed. completely frustrated that 3 of these PPI policies are still running and i still lost my house!
Giggly1966...help with PPI needed
got 3 mths behind, shelter put us to mortgage
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couldn't afford to pay 
