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 17:52 #1
    steve76 steve76 is offline
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    Default Alliance & Leicester Ppi

    hi all

    i sent A&L a PPIicon letter and today received a reply saying they accept responsibility and offer me £745 but as ive previously defaulted on the loan they are taking this sum off the balance owed

    can they do this or am i entitled to this money direct to myself ??

    any advice much appreciated

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  2. 27th June 2009 19:17 #2
    alanalana alanalana is offline
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    Default Re: Alliance & Leicester Ppi

    Hello Steve,

    hi all

    i sent A&L a PPIicon letter and today received a reply saying they accept responsibility and offer me £745 but as ive previously defaulted on the loan they are taking this sum off the balance owed

    can they do this or am i entitled to this money direct to myself ??

    any advice much appreciated
    I believe if you are in arrears with a loan account they can use the refund to offset. However if the offer is £745 and lets say you have defaulted and are in arrears to a much smaller amount than £745 then IMO they should only reduce the arrears/ default by the smaller amount and refund the balance to you by personal cheque. They should not use a larger refund of PPI to shorten the balance only to make up any default.

    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. 27th June 2009 19:18 #3
    BankFodder BankFodder is online now
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    Default Re: Alliance & Leicester Ppi

    on what basis have they accepted responsibility? Could you let us know a little bit more of the facts of the mis-selling?

    I'm getting a little tired of hearing of the banks are either admitting PPIicon mis-selling or else the fosicon is finding against them and they are simply being obliged to repay the money

    These kind of cases strike me as an ideal basis for claims for restitutionary damages. What this means is that the bank has taken your money unjustly. They have unjustly enrich themselves. While there have had your money they have invested it all lent it out at commercial rates. They have enjoyed profiting from your money for a considerable period of time. To completely remedy the unjust enrichmenticon, they should be required to disclose the profits of they have made and to repay those few as well.

    This is not surprising or new law. The principal has been around for some time.

    Let us know more about this case and its circumstances. You may find that you can quite easily double your money or even better.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE