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.
I took out a credit card with Natwest last October. I've recently noticed that I'm paying £30 a month for payment protection. I'm just about to send off my SAR, because I have no recollection of agreeing to this payment protection and will keep this thread updated.
Just out of interest would there have been a separate PPI document to sign or would there have been a tick box for PPI on the credit card application?
I took out a credit card with NatWest last October. I've recently noticed that I'm paying £30 a month for payment protection. I'm just about to send off my Subject access request, because I have no recollection of agreeing to this payment protection and will keep this thread updated.
Just out of interest would there have been a separate PPI document to sign or would there have been a tick box for PPI on the credit card application?
Dave
Unlikely there would have been a separate document for the PPI but there should have been two signature boxes on the Consumer Credit Agreement, One accepting the terms and conditions on the card and one accepting the PPI as this should have been optional. If you have only one signature on the agreement then your should have been made aware at the point of sale the full implications of PPI and the inclusions and exclusions that would apply to it.
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
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.
NatWest credit card PPI
last October. I've recently noticed that I'm paying £30 a month for payment protection. I'm just about to send off my SAR
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