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
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After waiting for a response to my PPI claim relating to my Egg Loan, I have now been told that they don't actually have to deal with this within the 8 week period as this is merely a guideline suggested by fos! I first wrote to them in February (stupidly did not send recorded delivery) and then sent 2nd letter in April. They claimed not to have received first letter and said their 8 week investigation period was commencing with receipt of my April letter. Their 8 weeks is up on Thursday of this week and being an impatient kind of gal I rang them yesterday for an update - this is when they kindly informed me I should not necessarily expect a response within the 8 weeks as they are very busy at the moment "thanks to the media stirring everybody up" and they would deal with as soon as possible in their own time! I live in N I and would love to issue Proceedings once the 8 weeks is up but can I issue in the NI courts (seeing as me as Plaintiff lives here) or would I have to go through English Courts? Please help!!
After waiting for a response to my PPI claim relating to my Egg Loan, I have now been told that they don't actually have to deal with this within the 8 week period as this is merely a guideline suggested by fos! I first wrote to them in February (stupidly did not send recorded delivery) and then sent 2nd letter in April. They claimed not to have received first letter and said their 8 week investigation period was commencing with receipt of my April letter. Their 8 weeks is up on Thursday of this week and being an impatient kind of gal I rang them yesterday for an update - this is when they kindly informed me I should not necessarily expect a response within the 8 weeks as they are very busy at the moment "thanks to the media stirring everybody up" and they would deal with as soon as possible in their own time! I live in N I and would love to issue Proceedings once the 8 weeks is up but can I issue in the NI courts (seeing as me as Plaintiff lives here) or would I have to go through English Courts? Please help!!:-|
You will have to ask the court question in the legal forums on the site.
If they do not respond to your claim on mis-selling PPI within 8 weeks you can then put it in the hands of the Financial Ombudsman Service. This will take longer but the FOS are upholding 90% of claims. You will have no court fees to pay a lot less paperwork and a complaint will mean a fee of £500 to be paid by egg to the FOS.
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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.
Moving the goalposts!
claim relating to my Egg
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