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.
Having previously used this brilliant site to reclaim bank charges I am now going to try to reclaim PPI. Trouble is I don't really understand it. I know for sure that my Capital One credit card charges me PPI monthly and I am certain that I didn't request this - i thought it was something i had to have with the card (duh!). I have 7 years worth of statements so do I need to do a SAR? How then do i calculate what to claim back. I am sure some kind soul will point me in the direction of a step by step guide.
Many thanks for any and all assistance.
Having previously used this brilliant site to reclaim bank charges I am now going to try to reclaim PPI. Trouble is I don't really understand it. I know for sure that my Capital One credit card charges me PPI monthly and I am certain that I didn't request this - i thought it was something i had to have with the card (duh!). I have 7 years worth of statements so do I need to do a Subject access request? How then do i calculate what to claim back. I am sure some kind soul will point me in the direction of a step by step guide.
Many thanks for any and all assistance.
Best approach SAR first get all the information check all the statements etc and start a claim. Don't forget the statutory fee of £10.00
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.
hope this is of use
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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.
Help Needed PPI claim!
. Trouble is I don't really understand it. I know for sure that my Capital One
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