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.
Can anyone shine some light on this situation please?
I currently have an unsecured loan with First Plus and am half way through the term of a 10 year loan.
The loan was for a kitchen with "Space Kitchens" (I know don't laugh) and has front loaded PPI on it.
I wrote to First Plus about mis-selling the PPI as I didn't know it only covered myself etc etc.
They wrote back saying that I would need to contact Space Kitchens as they signed the original loan and arranged the PPI. (They would wouldn't they try to pass the buck)
I then wrote to Space with the same request, only to be informed that the have gone bust. (If this is the case and you end up having to chase then try the Financial Services Compensation Scheme) Link to their website below.
I don't have any PPI paperwork so don't know who it is even with and now nobody seems to want to help.
What would be my next course of action if any?
I'm also thinking about trying the unenforeceable agreement as the PPI was mis-sold?
Any help would be most appreciated.
First action IMO is to send a Subject access request to First Plus, my guess is it will be First Plus that will have signed all of the relevant paperwork and credit agreement including the PPI.
You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail
You should request the following documents:
A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.
Copies of all statements applicable to the loan/card/mortgage.
Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.
Copies of all recorded telephone calls or transcripts of the recordings.
Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.
Do not be fobbed off by them citing issues such as relevant filing systems.
If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
Also please read the stickies at the top of the forum.
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.
Help for a new member?
on it.
Reply With Quote
Originally Posted by rick3178
