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.
I have sent yesterday one not a true CCA and now "in dispute" , and another to re-consider a write off waver, to same.
Two "in Dispute " letters for no response to CCA requests and to re-consider the write off waivers, to both.
Now while this is going on , I have noticed that the Duff cca (capquest) is only a application form for which i have now sent the "in dispute" letter, but i saw that the application has the self -employed box ticked off , and the PPI box as well.
Now do i await replys for the indispute letters etc first , or can I chase for miss-selling PPI on grounds that I was Self -employed , (apparently its worthless for the self-employed).
I have been sent some statements from CAPQUEST but they are all topsy-turvy on the order printed out on the same page ,some years before others and incomplete months.
The other two as mentioned i have had nothing from them whats, so ever .
Mind you its been very peaceful and quiet the last two months , By the way all CCA request all expired on the 7/9/2009, so they are a long way off time.
Now do i await replys for the indispute letters etc first , or can I chase for miss-selling PPI on grounds that I was Self -employed , (apparently its worthless for the self-employed).
Claim the PPI back from the original creditor.
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I have sent yesterday one not a true CCA and now "in dispute" , and another to re-consider a write off waver, to same.
Two "in Dispute " letters for no response to CCA requests and to re-consider the write off waivers, to both.
Now while this is going on , I have noticed that the Duff cca (capquest) is only a application form for which i have now sent the "in dispute" letter, but i saw that the application has the self -employed box ticked off , and the PPI box as well.
Now do i await replys for the indispute letters etc first , or can I chase for miss-selling PPI on grounds that I was Self -employed , (apparently its worthless for the self-employed).
I have been sent some statements from CAPQUEST but they are all topsy-turvy on the order printed out on the same page ,some years before others and incomplete months.
The other two as mentioned i have had nothing from them whats, so ever .
Mind you its been very peaceful and quiet the last two months , By the way all CCA request all expired on the 7/9/2009, so they are a long way off time.
dozy
I agree with cerberusalert. Sold PPI whilst self employed would IMO exclude you from making any claim on the PPI. The insurer would no doubt fail to pay up unless as self employed you could state your business was in administration or that you had to declare yourself bankrupt at which point no doubt there would be another exclusion in the small print.
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.
CCA, sent now what about charges PPI
box as well.
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Originally Posted by DOZY
