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.
In February of this year i wrote to Citicards complaining about the mis-selling of PPI on my credit card.They eventually wrote back in August of this year after about three holding letters and refunded what they said was six years premiums and interest.This amounts to about 30% of my calculated claim.
In their reply they quote the statute of limitations and will not go back further than six years.This looks like my biggest stumbling block.
The fos will not touch this as citi were not regulated at the time the card was taken out(old associates card).
If your card account was closed theny they are only obliged to keep records up to six years after the last transaction on the account. But in the current climate of mis-selling PPI big time I would tend to push them for full disclosure of all the data they hold on you as a data subject. If they then state they do not have the information ask them to produce valid certification by one of their data officers showing what data was destroyed, by whom and when. I would suggest you get them to certify this to you in writing.
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.
Herman Vs Citicards Ppi
now against Citicards PPI
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