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
NW11 7PE



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  1. #1
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    little_evo Novitiate

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    Default Account in dispute, help needed...

    Hello all, thanks for taking the time to read my post...(I hope i have posted in the right section)

    Firstly can anyone point me in the direction of a template to put an account in dispute?

    The reasons being is that due to redundancy i have failed to pay a car payment, i called the car finance company and they informed me that i had PPIicon cover on the finance (of which i did not know), they gave me the company name and we began sending relevant forms to them from the job centre. Now after paying the PPI for 8 months, the PPI company say that the underwriters need proof that i am seeking work and applying for jobs,(I thought an ABI1 form was sufficient proof), and that payments to the original creditor have stopped (in AUG09).

    Since then the O/C has sent several DCA's to my home, called several times asking for payment and no payments from the PPI company have been made.

    One would assume that the O/C has added interest and late charge fees and who knows what else to the account, whilst it has taken the under-writers to review the case (which has took 3 weeks).

    Now can i put the account in dispute to hold off the creditors calling me and adding further fees to the finance and also what is the route to getting back the PPI for which i originally paid from the original O/C?

    Thanks...


  2. #2
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    old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative

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    Default Re: Account in dispute, help needed...

    Bump

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.


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    alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana's Avatar

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    Default Re: Account in dispute, help needed...

    Quote Originally Posted by little_evo View Post
    Hello all, thanks for taking the time to read my post...(I hope i have posted in the right section)

    Firstly can anyone point me in the direction of a template to put an account in dispute?

    The reasons being is that due to redundancy i have failed to pay a car payment, i called the car finance company and they informed me that i had PPIicon cover on the finance (of which i did not know), they gave me the company name and we began sending relevant forms to them from the job centre. Now after paying the PPI for 8 months, the PPI company say that the underwriters need proof that i am seeking work and applying for jobs,(I thought an ABI1 form was sufficient proof), and that payments to the original creditor have stopped (in AUG09).

    Since then the O/C has sent several DCA's to my home, called several times asking for payment and no payments from the PPI company have been made.

    One would assume that the O/C has added interest and late charge fees and who knows what else to the account, whilst it has taken the under-writers to review the case (which has took 3 weeks).

    Now can i put the account in dispute to hold off the creditors calling me and adding further fees to the finance and also what is the route to getting back the PPI for which i originally paid from the original O/C?

    Thanks...
    Not a legal mind but this may help you out two links..

    http://www.oft.gov.uk/shared_oft/bus...it/oft1002.pdf

    issuing a default while account is in dispute

    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