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

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  1. 26th September 2009 13:04 #1
    kenturner kenturner is offline
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    Default Advice on buying through a broker

    Hi,

    Bought a single premium PPIicon 2 years ago and the premium was added to our mortgageicon ( i didn't know i had even bought it until we got the renewal notice from the insurance company !!)

    The mortage & the PPI was done through a broker and the PPI company is different to the mortgageicon lender, do i write to the Broker, the Insurer or the mortgage lender to start the reclaiming process ?

    Thank you

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  2. 26th September 2009 20:30 #2
    alanalana alanalana is offline
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    Default Re: Advice on buying through a broker

    Quote Originally Posted by kenturner View Post
    Hi,

    Bought a single premium PPIicon 2 years ago and the premium was added to our mortgageicon ( i didn't know i had even bought it until we got the renewal notice from the insurance company !!)

    The mortage & the PPI was done through a broker and the PPI company is different to the mortgageicon lender, do i write to the Broker, the Insurer or the mortgage lender to start the reclaiming process ?

    Thank you
    You should if you have a case for mis-selling, claim against whoever signed the Consumer Credit Agreement as that is the legal document which ties you to the mortgage. PPI etc unless you have a separate agreement for the Insurance. ( which I would question ) You will probable find when you come to claim back mis-sold PPI that the Mortgage company will blame the broker and vice versa. Whoever the monthly payment is made to from your account by direct debiticon that is where IMO you should start the claim and then let them provide the evidence that it was someone else.

    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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  3. 8th October 2009 20:14 #3
    kenturner kenturner is offline
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    Default Re: Advice on buying through a broker

    OK, So i wrote and asked for my money back as I believe they had mis-soldicon the police to me, received a letter today saying they will look into it but it could take up to 8 weeks. Is this within the guidelines from the FSA and do you think this is a stalling tactic and after the 8 weeks they will say my complaint has not been upheld ?

    Thanks

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  4. 8th October 2009 21:03 #4
    alanalana alanalana is offline
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    Default Re: Advice on buying through a broker

    Quote Originally Posted by kenturner View Post
    OK, So i wrote and asked for my money back as I believe they had mis-soldicon the police to me, received a letter today saying they will look into it but it could take up to 8 weeks. Is this within the guidelines from the FSA and do you think this is a stalling tactic and after the 8 weeks they will say my complaint has not been upheld ?

    Thanks
    Yes they do have 8 weeks in which to respond to your claim they can respond with a "sorry you have no chance of getting a refund" as long as they state this is their final response or they do not reply within 8 calendar weeks then you can go off to the fosicon with a complaint.

    All of the information you will need is in the stickies at the top of the forum and if you need more advice just post on your thread.

    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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  5. 8th October 2009 23:35 #5
    landy_alert landy_alert is offline
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    Default Re: Advice on buying through a broker

    Hi kenturner

    I was advised by someone on Martin Lewis's site that approximately 90% of claims relating to Single Premium PPIs applied to mortgages are being upheld by the fosicon in the consumer's favour - how true this is I cannot say, but nevertheless it is reassuring to those of us pursuing this type of claim!

    Good Luck with getting your money back!

    Regards,

    Landy x

    LTSB PPI on various loans (current/settled) - Refunded inc 8%

    MBNA 1 Charges - Refunded inc CI

    MBNA 1 PPI - Refunded

    MBNA 2 Charges - Refunded inc 8%

    MBNA 2 PPI - Refunded

    MBNA 2 Accident Ins - Refunded

    Swift Advances (settled) Mortgage Charges -Partially refunded

    Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

    Sainsburys (settled) Loan PPI - Refunded inc CI +8%

    Sainsburys (closed) Card Charges - Refunded inc CI + 8%

    M&S Money (closed) Card Charges - Refunded inc CI

    M&S Money (closed) Card PPI - Refunded inc 8%

    Direct Line (settled) Loan PPI - Refunded inc CI + 8%

    Debenhams Card (closed) PPI - Refunded inc 8%

    Swift Mortgage Charges -Refunded

    Hitachi Finance (closed) Charges - Refunded
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