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.
I took out a loan with Alliance & Leicester back in 2006. It was for £4,500 over 18 months and is fully repaid. When I originally applied for the loan I selected that I didn't want the PPI, but I am 99% sure that when I sent the paperwork back to them they wrote back saying I had to accept the PPI or they couldn't process the loan - as I needed the money quickly I agreed to it. Now, I don't have much paperwork left from this loan, just a confirmation letter, one showing I received £10 as an "annual moneyback payment for protecting my personal loan repayment", and one confirming that the loan has been repaid.
I am a bit confused by the calculator that I have seen on here to work out how much PPI I should be able to claim back - could anyone explain it a bit more? Can it be calculated using the below figures, or will I need to do a SAR & find the figures off that?
I took out a loan with Alliance & Leicester back in 2006. It was for £4,500 over 18 months and is fully repaid. When I originally applied for the loan I selected that I didn't want the PPI, but I am 99% sure that when I sent the paperwork back to them they wrote back saying I had to accept the PPI or they couldn't process the loan - as I needed the money quickly I agreed to it. Now, I don't have much paperwork left from this loan, just a confirmation letter, one showing I received £10 as an "annual moneyback payment for protecting my personal loan repayment", and one confirming that the loan has been repaid.
I am a bit confused by the calculator that I have seen on here to work out how much PPI I should be able to claim back - could anyone explain it a bit more? Can it be calculated using the below figures, or will I need to do a SAR & find the figures off that?
I would advise to alway start with a Subject access request. It is best to gather information then prepare then start the action to recover.
Have a good read through the stickies at the top of this forum and also read on other similare threads dealing with A & L to get assistance from other A & L claimants.
Did you know they have been fined £7m for mis-selling PPI?
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.
Well I wrote to A&L at the beginning of the month about my PPI claim and have received a reply today.
They say that they "have not been able to establish whether you were provided with sufficient details to allow you to make an informed decision when the policy was taken out" but have offered me a refund of £681.71 (£582.66 monthly premiums & £99.05 interest to 31/08/09) Quite suprised to hear from them so quickly! Just got to sign & return a form to them so they can send me a cheque.
Well I wrote to A&L at the beginning of the month about my PPI claim and have received a reply today.
They say that they "have not been able to establish whether you were provided with sufficient details to allow you to make an informed decision when the policy was taken out" but have offered me a refund of £681.71 (£582.66 monthly premiums & £99.05 interest to 31/08/09) Quite suprised to hear from them so quickly! Just got to sign & return a form to them so they can send me a cheque.
Nice one, let me know when you get the cheque and I will stick a **WON** tab on you thread title
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
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.
PPI claim - Alliance & Leicester
, but I am 99% sure that when I sent the paperwork back to them they wrote back saying I had to accept the PPI or they couldn't process the loan - as I needed the money quickly I agreed to it. Now, I don't have much paperwork left from this loan, just a confirmation letter, one showing I received £10 as an "annual moneyback payment for protecting my personal loan repayment", and one confirming that the loan has been repaid.
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Originally Posted by Lola2806
