Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 3rd June 2009 20:47 #1
    wallis101 wallis101 is offline
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    Red face Who to sue - the broker or the creditor?

    I have just joined the site, so apologies if this issue has been aired before.

    In my case the loan was sold through a broker on behalf of the creditor. Letters have been sent to both regarding the mis-selling of the PPIicon and both seek to blame each other.

    I want to issue proceedings now - but should I be issuing against the broker or the creditor?

    Any thoughts gratefully received.

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  2. 3rd June 2009 21:25 #2
    alanalana alanalana is offline
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    Default Re: Who to sue - the broker or the creditor?

    I have just joined the site, so apologies if this issue has been aired before.

    In my case the loan was sold through a broker on behalf of the creditor. Letters have been sent to both regarding the mis-selling of the PPIicon and both seek to blame each other.

    I want to issue proceedings now - but should I be issuing against the broker or the creditor?

    Any thoughts gratefully received.
    IMO claim against the signatory on your Consumer Credit Agreement if the Agreement is signed by the creditor then claim from them if the CCA is signed by the broker then go down that route. Your Consumer Credit Agreement can only be with one or the other unless you have separate CCAs for the Creditor and the broker, which IMO is probably a non starter.

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE