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
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  1. 25th September 2009 12:54 #1
    jamcatella jamcatella is offline
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    Default LLOYDS Payment insurance

    I have finally recieved some of the paperwork requested from Lloydsicon under SARicon, and have been going through this.

    From what I can make out on the business loans we had we were also sold business payment insurance. This wasnt exactly added to the loan - how lloyds seemed to work it was they increased the amount of the loan borrowed to include enough from the total insurance premium. Then when the loan was transferred into the account, they collected the total insurance premium.

    My question is, do we have an arguement for this as it was paid in a lump sum by the loan and we would have paid interesticon on this over the 7 year loan period?

    Any help much appreciated.

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  2. 25th September 2009 21:15 #2
    alanalana alanalana is offline
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    Default Re: LLOYDS Payment insurance

    Quote Originally Posted by jamcatella View Post
    I have finally recieved some of the paperwork requested from Lloydsicon under SAR, and have been going through this.

    From what I can make out on the business loans we had we were also sold business payment insurance. This wasnt exactly added to the loan - how lloyds seemed to work it was they increased the amount of the loan borrowed to include enough from the total insurance premium. Then when the loan was transferred into the account, they collected the total insurance premium.

    My question is, do we have an arguement for this as it was paid in a lump sum by the loan and we would have paid interesticon on this over the 7 year loan period?

    Any help much appreciated.
    IMO yes you have a claim. Please read the stickies at the top of the forum, send a Subject access requesticon the fee is £10.00 postal order is best as you can check when it was encashed.

    The majority of PPIicon has been mis-sold here are a few links from the stickies to get you started:

    PPI - Some Notes for Claimants..

    BANKS are giving incorrect advice on PPI

    Full SAR for ppi

    and this...Data Protection Act 1998 - Subject access request

    Mis-sold PPI? Want your money back? use these links to help

    there are loads more links in the last link which should help you get started

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE