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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 14th July 2009 22:34 #1
    Tdub Tdub is offline
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    Default Can I claim on a joint loan if other is bankrupt

    Hi all,

    Can I claim back money for a missold PPIicon policy on a joint loan, if the other named is now bankrupt? And will this go towards the balance of the loan or be given to me. The loan is still current. Also would the other named have to sign as its in joint names yet I have no contact with him.

    Thanks

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  2. 15th July 2009 11:07 #2
    sleepz sleepz is offline
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    Default Re: Can I claim on a joint loan if other is bankrupt

    oohhhh, this is a tricky one
    I don't know anything about bankrupcy, but from what I gather, you could reclaim for a missold PPIicon, I think you would have to do it as a joint signatureicon though, although don't quote me on that. I guess you would get your share of any repayment, but the bankrupt person would need to pay his share to their bankrupcy.

    A bit of a weird one this.
    I would maybe go ahead and send off your SARicon with just your name and see what happens and in the meantime wait and see if anyone has any more informed advice.

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

    07/07/09- First Plus PPI - S.A.R sent
    18/07/09- First Plus PPI - S.A.R received
    22/07/09    - First Plus PPI - Initial request sent
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  3. 15th July 2009 21:15 #3
    alanalana alanalana is offline
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    Default Re: Can I claim on a joint loan if other is bankrupt

    Hi all,

    Can I claim back money for a missold PPIicon policy on a joint loan, if the other named is now bankrupt? And will this go towards the balance of the loan or be given to me. The loan is still current. Also would the other named have to sign as its in joint names yet I have no contact with him.

    Thanks
    The only thing I can suggest here is to contact the fosicon and seek some advice. The reason I say this is I have recently requested information on Loans and the company have responded by requesting the authorisation from the joint account holder. In my case this has been possible but if in your case it is not then you need further advice on how to proceed.

    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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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE