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.
hi all,
i claimed a PPI on my loan taken in 2004 amounting to 25 k from Halifax and this loan was paid off in 2006. i received a letter from halifax and they said that they will contact me regarding the details of the redress due to me.i am recently went into debt management and i have some account in halifax which are in arrears my question is, can they offset the amount of rederess they are offering against any of current outstanding balance with them even if this loan is different account from the one that i currently have with them.i know i will be able to get a quite good amount of money but i also want to share it with the rest of my creditors to reduce my arrears. is ther anything that i can do so that they can not take the whole refund ?thank you .
hi all,
i claimed a PPI on my loan taken in 2004 amounting to 25 k from Halifax and this loan was paid off in 2006. i received a letter from halifax and they said that they will contact me regarding the details of the redress due to me.i am recently went into debt management and i have some account in halifax which are in arrears my question is, can they offset the amount of rederess they are offering against any of current outstanding balance with them even if this loan is different account from the one that i currently have with them.i know i will be able to get a quite good amount of money but i also want to share it with the rest of my creditors to reduce my arrears. is ther anything that i can do so that they can not take the whole refund ?thank you .
If your account with Halifax is in arrears then they can take the PPI refund from a different account to offset those arrears. If this happens at least the debt amount will be reduced. The question is are you being refunded the correct amount of PPI if it has been mis-sold??
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 redress to offset arrears
on my loan taken in 2004 amounting to 25 k from Halifax
Reply With Quote
Originally Posted by 111honey
