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:
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  1. 9th December 2009 15:01 #1
    jetli jetli is offline
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    Default i group ppi (Ge money)

    Hi sorry new here and hope you can advise! This will be one of many debts I want to discuss but Mortgages come first! I took out a PPIicon when we took our mortgageicon out in 2005 with GE Money. I was told it would cover my Husband even though he is self-employed. Because we are in so much arrears I looked at the conditions and it seems that he is only covered if he is made bankrupt or has ceased trading completly!

    They have been adding this on since 2005 which then gets added to the arrears!

    Also the current charges they have made to our account (not including arrears) are for around £2,500. The monthly payment for PPI is £104.00.


    Really confused as to what I can do but we do have a suspended repossesion order on our home of 17 years and if I could drag something back it would help.

    PLEASE HELP

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  2. 10th December 2009 09:45 #2
    birchave0 birchave0 is offline
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    Default Re: i group ppi (Ge money)

    so sorry to hear of your situation

    sadly my limited experience of PPIicon lies with loans/credit credits, so can offer nothing about mortgageicon, sorry. If you believe you have been sold a product that is not suitable for you there may be a case of miss selling. Sorry I can't be of more help.
    However there are some fab people on here, so I'm sure someone will be along soon.

    Birch

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
    22-5-07 Halifax *Won* £1025
    23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
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  3. 10th December 2009 09:55 #3
    birchave0 birchave0 is offline
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    Default Re: i group ppi (Ge money)

    ok, it seems like this is covered by the fosicon.
    So first of all you need to complain to the firm who sold you the insurance. Tell them they have sold you an unsuitable product and you wish them to investigate fully. Chances are they will come back with a standard "bog off" letter but this is normal so don't worry.

    Secondly, cancel the PPIicon. If is costing that much a month is would be better to either use that amount every month to clear off your arrears, and seek advice on buying a PPI product that WILL cover you. You do not have to buy from you mortgageicon lender, you are free to purchase from anywhere.

    Once you have your final response (the bog off letter) you can go to the FOS with your complaint and they will investigate for you. Below is the link to their info page on PPI

    http://www.financial-ombudsman.org.u...-insurance.pdf

    sorry I can't offer more help, but this will do for starters

    good luck!

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
    22-5-07 Halifax *Won* £1025
    23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
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  4. 11th December 2009 14:40 #4
    jetli jetli is offline
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    Default Re: i group ppi (Ge money)

    Thank you for all your help will try your advice.

    Have posted another new one on PPIicon

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  5. 11th December 2009 15:07 #5
    birchave0 birchave0 is offline
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    Default Re: i group ppi (Ge money)



    you are very welcome

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
    22-5-07 Halifax *Won* £1025
    23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
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  6. 11th December 2009 20:58 #6
    jetli jetli is offline
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    Default Re: i group ppi (Ge money)

    Had this on my email what does this mean - from this group- confused
    Dear jetli,

    ryde has just replied to a thread you have subscribed to entitled - Spml/london mortgageicon Company - in the Mortgages and Secured Loans forum of The Consumer Forums.

    This thread is located at:
    http://www.consumeractiongroup.c o.uk/forum/mortgages-secured-loans/170607-spml-london-mortgage-company-new-post.html

    Here is the message that has just been posted:
    ***************
    SCED
    Just been looking at your post sometime back re companies house accounts etc and the pml/spml issues you raised with them.For the unenlightened what exactly is the statutory obligation to file accounts and returns?aren't they almost the same?
    ***************


    There may be other replies also, but you will not receive any more notifications until you visit the forum again.

    By the way, our "Give Up Smoking" forum has moved to www.consumerhealthforums. com

    You can visit the Consumer Health Forums to discuss smoking or any other health or relationship issues which concern you.

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    Visit www.ConsumerSniper.com to read about our new snipingicon service and how you can win more eBay auctions more cheaply

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  7. 11th December 2009 22:17 #7
    birchave0 birchave0 is offline
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    Default Re: i group ppi (Ge money)

    it's an automated response from this site, when someone posts a reply on one of your threads, it's just to let you know you have a new reply

    9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!
    20-1-07 S.A.R - (Subject Access Request) sent Capital One
    20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services
    20-1-07 S.A.R - (Subject Access Request) sent Marbles
    20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)
    8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance
    22-5-07 Halifax *Won* £1025
    23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE