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 have tried to reclaim PPI but have been refused and told that fos cannot help because they were not a member can anyone tell me my next step please help
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i have tried to reclaim PPI but have been refused and told that fos cannot help because they were not a member can anyone tell me my next step please help
Do not accept what the banks tell you. If you believe you have a valid claim for mis-selling of PPI then claim and if the bank gives you a final refusal, then it is time to submit a formal complaint to the Financial Ombudsman Service and let them decide whether you have a valid claim or not. Do not accept what you are being told by the banks.
They will say anything to prevent you proceeding with a claim for mis-sold PPI.
Have a look at these links in 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.
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Originally Posted by wacker 1
