Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 27th June 2009 10:37 #1
    wills7 wills7 is offline
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    Default Beneficial Finance

    I'm currently waiting for my PPIicon reclaim complaint to be dealt with by the fosicon, however, they have had the complaint since April last year and it still hasn't been passed to an adjudicator! Has anyone had any joy with a straight forward reclaim from these (or HFC) as i'm seriously considering getting back on to them to get it sorted as i'm struggling to make my payments to them every month and from my calculations what they owe me would pay the loan off! It just seems to be taking an age with the FOS and they told me i could only be fast tracked if i was in arrears with my mortgageicon, which i'm not.... Any advice???

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  2. 27th June 2009 19:01 #2
    alanalana alanalana is offline
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    Default Re: Beneficial Finance

    I'm currently waiting for my PPIicon reclaim complaint to be dealt with by the fos, however, they have had the complaint since April last year and it still hasn't been passed to an adjudicator! Has anyone had any joy with a straight forward reclaim from these (or HFC) as i'm seriously considering getting back on to them to get it sorted as i'm struggling to make my payments to them every month and from my calculations what they owe me would pay the loan off! It just seems to be taking an age with the FOS and they told me i could only be fast tracked if i was in arrears with my mortgageicon, which i'm not.... Any advice???
    There is absolutely nothing stopping you from phoning or writing to the FOS to ask for an update on your case. I know they are busy and getting busier looking at this forum.

    Remind the FOS about the fast track issue.

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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  3. 30th June 2009 13:55 #3
    wills7 wills7 is offline
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    Default Re: Beneficial Finance

    I tried that, they just said they are dealing with cases from Jan 08 and it was just a case of waiting, my case has been with them since March 08 so a long wait for me i think!

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  4. 30th June 2009 19:14 #4
    Billy55 Billy55 is offline
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    Default Re: Beneficial Finance

    I was wondering why people are referring these claims onto the fosicon when they could simply issue a claim in the county courticon? Are there pitfalls people are falling into when taking this course of action, or is it just considered easier to refer onto the FOS?

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
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  5. 3rd July 2009 20:37 #5
    alanalana alanalana is offline
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    Default Re: Beneficial Finance

    Quote Originally Posted by Billy55 View Post
    I was wondering why people are referring these claims onto the fosicon when they could simply issue a claim in the county courticon? Are there pitfalls people are falling into when taking this course of action, or is it just considered easier to refer onto the FOS?
    The choice is purely up to the individual. I advise the FOS route because if it fails you still have the option of the Court route but not the other way around. Also no FOS fees other than what the company complained against has to pay the FOS £500 per complaint.

    Also no initial Court costs paperwork etc and the risk of a legal person on the side of the bank etc being able to put up a fierce fight against a person not familiar with court. You would need to be well prepared IMO.

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
    Reply With Quote Reply With Quote
  6. 9th July 2009 18:25 #6
    Billy55 Billy55 is offline
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    Default Re: Beneficial Finance

    are people generally recovering the contractual interesticon when going down the fosicon route?

    HSBC recovered bank charges in full plus contractual interest
    IF.com recovered bank charges in full plus contractual interest
    Marbles recovered credit card charges in full plus contractual interest
    Reply With Quote Reply With Quote
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