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.
Hi Folks
Been reading a few of your posts and found them very interesting. I have a few posts in the Debt forum. But also I have a family memeber who does not have access to a computer who has had 5 loans all from RBS over the years ranging from 2000-2008 (All paid off now) all sold with PPI Insurance which they did not understand what it was for during one of these loans he was off work however RBS only reduced his monthly payments then made him make the payments up later (not known that he could have claimed on the PPI)
Firstly, if there is five loans in total would he put 5 sepreate claims in and is it too late to go as far back as 2000 (Scottish Law) I do have access to his paperwork I shall try and post these on this site and would be oblidged if somebody could have a wee look and advise us what he could do.
Keep up the good work everyone I don't think the Banks, Credit Houses & Laon Companies have known whats hit them since this site started.
Cheers Ax.
Hi Folks
Been reading a few of your posts and found them very interesting. I have a few posts in the Debt forum. But also I have a family memeber who does not have access to a computer who has had 5 loans all from RBS over the years ranging from 2000-2008 (All paid off now) all sold with PPI Insurance which they did not understand what it was for during one of these loans he was off work however RBS only reduced his monthly payments then made him make the payments up later (not known that he could have claimed on the PPI)
Firstly, if there is five loans in total would he put 5 sepreate claims in and is it too late to go as far back as 2000 (Scottish Law) I do have access to his paperwork I shall try and post these on this site and would be oblidged if somebody could have a wee look and advise us what he could do.
Keep up the good work everyone I don't think the Banks, Credit Houses & Laon Companies have known whats hit them since this site started.
Cheers Ax.
This is much the same as my own fight with RBS please read and use what you can. Mine was seven loans 4 x Direct Line Financial Services (RBS) and 3 X RBS went to fos and got back over £10K
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.
Congratulations.... you must have been so proud of yourself what an acheivement. I shall speak to my B in Law an let him know he is very unwell just now and a bit frightened to step on toes but due to financial circumstances needs funds desperately. I shall read details of your fight with RBS with great care and try and decipher how to go abount this for him......would it be posible to ask for your expertise as I go along as I am not even quite sure were to start but hopefully by the weekend I shall be able to get things put together. The main problem I have is trying to calculate the PPI payment and interest as some of the loans were replaced with new loans.
Would I take the whole PPI amount and charge interest or just on the amount of payments he had made. MANY MANY THANKS FOR THIS INFO. Have a good day and give yourself a huge pat on the back - you deserve it.
Cheers Ax.
Sorry pompeyfaith, Meant to thank you also for your help I think it is amazing what you peolple have been doing...teaching these Banks/Credit Co's/LOan Co's a lesson that they are no longer going to get away with cheating joe bloggs. I have the first loan agreement here that my B in Law has I will post iot up omitting his details. I have tried the PPI calculator and had no luck (I am just learning so please bear with me..)
I wonder if anybody could help me calculate the PPI and interest for ame to try and put a claim together to get him some funds.
Cheers pompeyfaith you have a heart of gold I appreciate that very much I have posted up the first one in #5 I shall get help to post the other up tomorrow night as I only have 4 with me just now and there is a total of 6 loans.
I am sure you and others like you are the Banks worst nightmare on finance street.
Cheers Ax.
Hi PF
Whoosh........reply faster than the speed of broadband!!!!
How would we request these figures ... would we do it through a Subject access request or contact the bank directly and ask for the figures.
As I am very sure that some of them was settled into the next one.
I shall find out more tomorrow.
Cheers once again Ax.
Yes you would need to send of a Subject access request asking for all the info they hold on you including settlement figures.
You will find a template letter in the stickys at the top of the PPI forum just edit to suit your needs.
Also remember to ask how much of the ppi was refunded back into the loan
because as the loan/s where settled early some of the PPI would have been refunded back into the loan.
You follow? confusing i know anything you do not understand ask away.
Yes last reply was quick as i have this thread subbed so i know when you post.
Congratulations.... you must have been so proud of yourself what an acheivement. I shall speak to my B in Law an let him know he is very unwell just now and a bit frightened to step on toes but due to financial circumstances needs funds desperately. I shall read details of your fight with RBS with great care and try and decipher how to go abount this for him......would it be posible to ask for your expertise as I go along as I am not even quite sure were to start but hopefully by the weekend I shall be able to get things put together. The main problem I have is trying to calculate the PPI payment and interest as some of the loans were replaced with new loans.
Would I take the whole PPI amount and charge interest or just on the amount of payments he had made. MANY MANY THANKS FOR THIS INFO. Have a good day and give yourself a huge pat on the back - you deserve it.
Cheers Ax.
I see PF is helping with the calculations. Feel free to use any letters from my thread and edit them to suit your own circumstances.
As Pompey states SAR is the first step, once you have all the information you can proceed to claim your PPI money back. Please see the following for further info.
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.
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.
Many thanks for the link alanalana fantastic letter your advice and Info is invaluable to people like me on this forum. Please keep up the great work pompeyfaith and alanalana, wish I had your knowlege and experience.
Maybe someday after I finsih reading this forum. I make this my bedtime book before bed now. Makes great reading and adds to your knowledge.
Cheers Ax.
Will be in touch as soon as SAR comes back from the bank (Love to see their faces when they open the letter) not another one - I hear them say...
Have a nice evening and many thanks once again.
Afw.
Hi everyone
Well!! after sending a copy of Hellhasnofury's Subject access request letter, surprise,surprise they have sent my B in Law a letter more or less refusing to supply and info on the basis that (subject to Records Management Policy allows for the retention of 8years of personal data). We only meeded to go back to 2000 so am I correct in thinking they dont know what they are talking about. I shall post up a copy of the letter to let all you experts out see and maybe you could comment and let me know what to do next.
Hi everyone
Well!! after sending a copy of Hellhasnofury's Subject access request letter, surprise,surprise they have sent my B in Law a letter more or less refusing to supply and info on the basis that (subject to Records Management Policy allows for the retention of 8years of personal data). We only meeded to go back to 2000 so am I correct in thinking they dont know what they are talking about. I shall post up a copy of the letter to let all you experts out see and maybe you could comment and let me know what to do next.
Firstly you can claim back as far as you want especially if you have only become aware of the PPI mis-selling issue.
The bank are required to keep all records on an account while it is still running and can only dispose of records six years after the last transaction on the account.
Write back explaining this and inform the RBS failure to comply with the SAR in full will result in a complaint to the Information Commissioners Office asking them to enforce the bank to release the relevant records.
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.
[quote=alanalana;2243492]Firstly you can claim back as far as you want especially if you have only become aware of the PPI mis-selling issue.
The bank are required to keep all records on an account while it is still running and can only dispose of records six years after the last transaction on the account.
Good Morning aa,
Many thanks for your reply (its makes amateur people/claimaints like me feel a bit stronger) it is greatly appreciated. It is great to see what you have all achieved...well done you all deserve to be so proud off yourselves give yourself a good pat on the back from me)
1. The first loan with PPI was taking out 2000 and was renewed by a second loan in 2002/3 he thinks. Sothat would allow for the bank to only have 8 years of records.
2. You advise me to write back stating this and telling (not asking as I feel RBS just walk over people) them that we want all the information for the last 8 years that they hold. I cant understand why they haven't just sent what they have instead f refusing point blank...strange wouldn't you think if soneone asked you for details you would automatically send what you have.
I didn't realise how complicated PPI was to claim back , its not as straight forwad as we thought as he has taking loans out and renewed them before they finished so they all seem to run into each other. Fortunately they are all paid off but I feel I have got his hopes up a bit before I found all this out and because of the financial state he is also in just now I feel I have to see this through to the end for him. Any help would be greatly appreciated
As you will notice complete div not quite sure how to post quotes on here yet !!!! tried hope this is successful.
Cheers
Afw
I didn't realise how complicated PPI was to claim back , its not as straight forwad as we thought as he has taking loans out and renewed them before they finished so they all seem to run into each other. Fortunately they are all paid off but I feel I have got his hopes up a bit before I found all this out and because of the financial state he is also in just now I feel I have to see this through to the end for him. Any help would be greatly appreciated
Much the same position as me one loan refinanced by another PPI rebate but new loan with PPI again continual refinancing and the bank would always be the ones calling me to see how they could help.
If you get no Joy then the fos is the next step they will see the refinancing with PPI issue and no doubt ask RBS to supply the relevant information in answer to any complaint that you submit.
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.
Hi aa
Sorry to be as thick as two short planks..are you saying write to the fos or rewrite to bank, they didn't even have the decency to refund the £10 Postal Order that my B in Law sent them, known the financial state he is in.
Is there any chance you or somone out there could help be draft a letter to FOS to help with this situation.
As you said "THe banks were the ones doing the phoning to see if they could help. Now we know why because of all the profit they were making with customers PPI.
I have just looked at all the agreements there seems to be a settlement figure that was paid to bank of the refinancing loans. I think I shall post these up tonight and see if anybody can make sense of them Pompeyfaith has offered to calculate the PPI for us(how kind is that - not many people out there would go to all that trouble - O! to have the brain capacity to be able to something like that) then we might know where we stand
Once again aa your advise and comments are priceless where would we all be without people like you on this site.
Cheers afw
I went through the fos to claim back PPI on a loan from RBS, as they wouldnt pay it back kept making excuses, as soon as the FOS got involved they soon paid it back.
Good Luck
Pecky1
PPI from RBS in Scotland
over the years ranging from 2000-2008 (All paid off now) all sold with PPI
Reply With Quote
Originally Posted by 24233513afw
, its not as straight forwad as we thought as he has taking loans out and renewed them before they finished so they all seem to run into each other. Fortunately they are all paid off but I feel I have got his hopes up a bit before I found all this out and because of the financial state he is also in just now I feel I have to see this through to the end for him. Any help would be greatly appreciated
