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.
recieved a letter from ge money saying that my PPI will expire next month and they would not be renewing, rang them as I didnt recall even borrowing money off them, anyway to cut a long story short it appears to be for double glazing loan that we paid off early approx 2 years ago, and it seems this ppi has been running ever since.
now we didnt even know ppi had been added to loan, as I always refuse them having been caught before because of preexisting medical conditions. i asked the guy at ge how much we had paid and he said it was 248 quid so informed him i was gonna claim it back.
my question is.. is it ok for me to put in a claim for mis-sold ppi?, never asked nor wanted it
Halifax Bank Charges.....won full refund ........v's Clarity invalid CCA....returned to oc
.........v's Hillesden.......gone away unenforceable cca daf/yescar credit missold ppi
.........v's Cabot....8-) ....gone away unenforceable cca
.........v's Barclaycard....won full refund plusinterest
...........vs littlewoods....gone away no cca
moorcroft vs debt4get........gone away unenforceable cca lowells cap1 v debt4get...account closed returned to oc unenforceable cca
.......v's unreliable collections...full and final settlement of 10 pound on 120 pound alleged debt
recieved a letter from ge money saying that my PPI will expire next month and they would not be renewing, rang them as I didnt recall even borrowing money off them, anyway to cut a long story short it appears to be for double glazing loan that we paid off early approx 2 years ago, and it seems this ppi has been running ever since.
now we didnt even know ppi had been added to loan, as I always refuse them having been caught before because of preexisting medical conditions. i asked the guy at ge how much we had paid and he said it was 248 quid so informed him i was gonna claim it back.
my question is.. is it ok for me to put in a claim for mis-sold ppi?, never asked nor wanted it
Please read through these links and you will get the general idea if you have been mis-sold and how to start to reclaim.
Can I reclaim on any PPI policy?
Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.
However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.
Quote:
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.
All of the above and much much more for you to read through in here....
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.
GE money and ppi advice required
will expire next month and they would not be renewing, rang them as I didnt recall even borrowing money off them, anyway to cut a long story short it appears to be for double glazing loan that we paid off early approx 2 years ago, and it seems this ppi has been running ever since.
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Originally Posted by debt4get
