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. 9th September 2009 22:56 #1
    chocolatelover1 chocolatelover1 is offline
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    Default Didn't know we had ppi.

    My friend took out a loan a few years ago with Abbeyicon. He was off work for 6 months last year and struggled (but managed) to make ends meet. He was in an accident a few months ago which resulted in more weeks off sickicon. Only recently we realised that he had PPIicon on his loan. Friend however is kinda useless at these things and said he did not ask for ppi and just signed the papers when they came through the post. He feels annoyed as had he known he had ppi could have possibly claimed from it when he was off sick. Do we have a case to maybe try and claim some of this back? and if so any one know the best route eg no win no fee solicitor? Also he is away to finish paying his loan and will he need to claim before the loan finishes?

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  2. 10th September 2009 11:43 #2
    birchave0 birchave0 is offline
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    Default Re: Didn't know we had ppi.

    not sure that is a case of miss selling really

    you really need to go right through the policy and decide if the cover would have been suitable for you friend.

    If he was unaware that he ever asked for the cover maybe he might have a case, strange one really.....
    the PPIicon would be shown on the loan agreement which he signed, or is it not shown? How did he discover he actually had the PPI?

    sorry I'm not much help but need a bit more info

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
    22-5-07 Halifax *Won* £1025
    23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
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  3. 10th September 2009 15:43 #3
    chocolatelover1 chocolatelover1 is offline
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    Default Re: Didn't know we had ppi.

    I dont think he still has the loan agreement but he found out after Abbeyicon sent him a big letter about a month ago giving him lots of information on PPIicon stating that if he thought he was missold it to contact them. Would point out that he has not called them though!

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  4. 10th September 2009 16:04 #4
    birchave0 birchave0 is offline
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    Default Re: Didn't know we had ppi.

    I think your friends needs to first find out if there is PPIicon on the loan. He could either send a SARicon or a CCA request, either will get him a copy of the loan agreement. the PPI will be shown on the agreement, if there is nothing on the agreement chances are there never was any PPI and Abbeyicon have just sent the leaflet out as he is a customer of theirs.

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
    22-5-07 Halifax *Won* £1025
    23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
    Reply With Quote Reply With Quote
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE