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 was wondering if someone could advise me on the following;
A few years ago I applied for a Credit card which has PPI (dont remember asking for PPI but there you go!), however at the time I applied for the credit card I was temping througha recruitment agency. Now I know that with regards to bank loans, temping is considered the same as being self-employed i.e. banks are not allowed to 'sell' you PPI. Is this also applicable to credit cards?
If so what are the next steps I need to take to be able to claim back PPI payments that I have made over the years?!
I was wondering if someone could advise me on the following;
A few years ago I applied for a Credit card which has PPI (dont remember asking for PPI but there you go!), however at the time I applied for the credit card I was temping througha recruitment agency. Now I know that with regards to bank loans, temping is considered the same as being self-employed i.e. banks are not allowed to 'sell' you PPI. Is this also applicable to credit cards?
If so what are the next steps I need to take to be able to claim back PPI payments that I have made over the years?!
Many thanks
Kate
My understanding is PPI should not be attached to any loan, mortgage, Credit Card if certain conditions were evident at the point of sale.
I would point you to the stickies at the top of this forum which are a lot of work but worth the effort to read so you are aware of the PPI issues.
Quote:
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions. Another Useful article on Single Premium PPI and why the FSA say it was unfair. http://www.moneymadeclear.fsa.go v.uk...insurance.html Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts
If you look yourself you will see the complexity of PPI but the good news is you can get your money back and thee Financial Ombudsman Service are upholding 90% of consumer complaints. Do not forget to use the other regulatory bodies to kick up a stink like the FSA, OFT and ICO.
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.
Credit Card PPI Mis-selling?
(dont remember asking for PPI but there you go!), however at the time I applied for the credit card I was temping througha recruitment agency. Now I know that with regards to bank loans, temping is considered the same as being self-employed i.e. banks are not allowed to 'sell' you PPI. Is this also applicable to credit cards?
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Originally Posted by Fat Feet
