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. 16th November 2009 19:10 #1
    sillysow sillysow is offline
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    Question How to tackle MBNA PPI reclaiming

    Hi - just wondering if I could have some help please.

    I have previously reclaimed my unfair charges from MBNAicon - however until I dug a bit deeper I had over looked the matter of PPIicon.

    On the CCA - PPI is clearly not ticked - yet from the inception of the account PPI has been charged. Am I right in thinking that as the PPI was not agreed to / accepted - I should be able to reclaim. What reason would I be giving?

    Many Thanks

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  2. 16th November 2009 22:05 #2
    alanalana alanalana is offline
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    Default Re: How to tackle MBNA PPI reclaiming

    Quote Originally Posted by sillysow View Post
    Hi - just wondering if I could have some help please.

    I have previously reclaimed my unfair charges from MBNAicon - however until I dug a bit deeper I had over looked the matter of PPIicon.

    On the CCA - PPI is clearly not ticked - yet from the inception of the account PPI has been charged. Am I right in thinking that as the PPI was not agreed to / accepted - I should be able to reclaim. What reason would I be giving?

    Many Thanks
    You should claim stating that at no time did you formally agree to PPI being added to your Account. If you did not agree and you have proof that you did not agree then you should claim back all the PPI you have been charged and also claim interesticon at 8% from the dates the PPI was taken up until you have a satisfactory settlement of your claim for mis-selling.

    Please read the stickies at the top of the forum for further advice and guideance..

    PPI - Some Notes for Claimants..

    BANKS are giving incorrect advice on PPI

    Mis-sold PPI? Want your money back? use these links to help

    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

     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