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.
side a pile of LTSB 'fob-off' letters struggling to get out!
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2,398
PPI court claim query
Hi everyone,
I was wondering if, when the time comes (very soon!) to make the decision to go to court or fos on the PPI front against Lloyds TSB, Mr Landy and I decide on the court option whether it's possible to lump all the claims together on one N1 -
ie, Mr Landy has PPI on one current loan and two old, settled loans solely in his name as well as another two old, settled loans jointly with me.
Could he therefore put all these on one claim form or do they each have to be tackled separately?
I know that sometimes the bank will lump together the debts we owe them, ie, an overdraft and a loan so it would only seem fair if we could do the same, particularly in the light of costs!
Otherwise, as we are not 100% certain if we'll be exempt from court fees yet or not, this is going to prove mighty costly!
Thanks folks.
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
side a pile of LTSB 'fob-off' letters struggling to get out!
Posts
2,398
Re: PPI court claim query
Hi PF
Many thanks - that would be most appreciated!
It just seems crazy that you would have to put in several claims separately all against the same institution - but if that's how it has to be, so be it. At the moment with Lloyds I'm favouring court over fos, but if we do have to deal with them all as individual cases I might be forced to reconsider as we have 7 claims (charges and PPI) just with Lloyds alone!
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
Hiya Landy I've had a search and can find nothing, so i think the best course of action for you is to ring your local court office and ask the court manager.
I was wondering if, when the time comes (very soon!) to make the decision to go to court or fos on the PPI front against Lloyds TSB, Mr Landy and I decide on the court option whether it's possible to lump all the claims together on one N1 -
ie, Mr Landy has PPI on one current loan and two old, settled loans solely in his name as well as another two old, settled loans jointly with me.
Could he therefore put all these on one claim form or do they each have to be tackled separately?
I know that sometimes the bank will lump together the debts we owe them, ie, an overdraft and a loan so it would only seem fair if we could do the same, particularly in the light of costs!
Otherwise, as we are not 100% certain if we'll be exempt from court fees yet or not, this is going to prove mighty costly!
Thanks folks.
Regards,
Landy x
You could start a thread in this forum and you should get some legal advice on the way ahead.
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.
PPI court claim query
on the PPI front against Lloyds
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