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.
If an insurance policy is sold and paid for upfront and is later on cancelled should the insurer not offer some kind of rebate rather than keep the money when no longer offering a service?
If an insurance policy is sold and paid for upfront and is later on cancelled should the insurer not offer some kind of rebate rather than keep the money when no longer offering a service?
Thanks
Hello James,
sorry about the delay in responding to your question.
Yes indeed if you have paid upfront for a single premium policy (Now outlawed by the FSA and Competition Commissioners Office) then you should be entitled to a pro rata rebate on the outstanding PPI. You may not get a refund of what you expect but you should get a refund.
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
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.
I ask as the company in question said they are not giving me anything back as i did not cancel within their 14 day cooling off period. So now i have paid £399 for a policy that is no longer active and am having to pay a further £499 in interest to Blackhorse.
I just see this as unfair just because i didnt say i didnt want the policy within 14 days.
Insurance Policies
The Consumer Forums
Reply With Quote
Originally Posted by Jamesx81x
