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. 25th July 2009 13:09 #1
    pezz1753 pezz1753 is offline
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    Default Welcome Car Finance PPI please help!

    Would appreciate some advice regarding the following:

    When my daughter was buying her first car last Sept, she was told in no uncertain terms by welcome car finance salesman that if she did'nt buy the PPIicon cover then she may not qualify for car credit to purchase the car!

    She was also told that accepting or not accepting the ppi cover would not effect the monthly cost of the car loan! It would still cost £233 per month. However the ppi is a 'seperate' payment from her car loan at £78 per month! If my daughter did'nt have this PPI her car loan would only be £155 per month!.....A big difference!

    Has this ppi been mis-sold............ and can we cancel it

    Pezz1753

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  2. 25th July 2009 17:57 #2
    alanalana alanalana is offline
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    Default Re: Welcome Car Finance PPI please help!

    Quote Originally Posted by pezz1753 View Post
    Would appreciate some advice regarding the following:

    When my daughter was buying her first car last Sept, she was told in no uncertain terms by welcome car finance salesman that if she did'nt buy the PPIicon cover then she may not qualify for car credit to purchase the car!

    She was also told that accepting or not accepting the ppi cover would not effect the monthly cost of the car loan! It would still cost £233 per month. However the ppi is a 'seperate' payment from her car loan at £78 per month! If my daughter did'nt have this PPI her car loan would only be £155 per month!.....A big difference!

    Has this ppi been mis-sold............ and can we cancel it

    Pezz1753
    Hello pezz,

    in a word yes just a quick response as I am going out soon.

    Have a read through the stickies first to get the general idea on PPI issues.

    PPI - Some Notes for Claimants..

    Mis-sold PPI? Want your money back? use these links to help

    It is homework first then get the data then claim back.

    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. 25th July 2009 20:43 #3
    pezz1753 pezz1753 is offline
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    Default Re: Welcome Car Finance PPI please help!

    Thanks 'Alanalana' for taking the time to help!.....Your advice is much appreciated.

    Pezz1753

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