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 came on this site just a year ago in a dreadul state of stress having uncovered the truth about our PPI.
I just wanted to let you all know that following my referral of the case to the Ombudsman FP agreed to settle and put me back in the position had I not taken the PPI. They have today sent me a cheque for the PPI payments made and a cheque for the 8% interest on said payments. They have also credited the loan with the PPI amount taken and also the interest paid on this.
Over the last year I have also claimed back two lots of credit card charges against MBNA, have a claim in against Egg card for PPI and another PPI for FP but through Freedom Finance. My eyes have truly been opened to the sneakiness of these companies and also my gullability.
All these claims and successes have stemmed from the encouragement and reassurances given in those early days not only on this site but also MSE and FP Complaints. I truly was at my wits end and have suffered a deep depression over the last 12 months due to the stress.
I just wanted to say thank you to those who responded to me for their time and the encouragement and reassurance given, it really did mean a lot.
Letter dated 21st December came yesterday. Says to confirm PPI now cancelled, full Breakdown of refund and cheques.
Today letter arrives saying date of amended payment for loan only starts 1.2.10.
In the meantime on 4.1.10 my monthly payment was taken including the PPI part... I have called them this morning to get it back but they say it's right as new payment doesn't take effect until 1.02.10.
Letter dated 21st December came yesterday. Says to confirm PPI now cancelled, full Breakdown of refund and cheques.
Today letter arrives saying date of amended payment for loan only starts 1.2.10.
In the meantime on 4.1.10 my monthly payment was taken including the PPI part... I have called them this morning to get it back but they say it's right as new payment doesn't take effect until 1.02.10.
Am I right or are they?
Thanks
Fight it tell them this is unfair and you will submit another complaint to the fos unless they re-adjust the ppi for January.
Tell them that you are serious about this having had a FOS adjudication and the PPI cancelled.
Point out that a further complaint will result in a further £500 fee to the Ombudsman
Then sit back and see what they say
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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.
Further to my telephone conversation with one of your Staff today, I write to confirm the following.
Following my complaint to the FSO, I am in receipt of your letter dated 21/12/09 which gives me a Breakdown of the full refund of the PPI and interest on the above account and also confirms the cancellation of the PPI. The refunds were made by cheque and included with this letter.
I am also in receipt of your letter dated 04/01/2010 advising me that the refunds have now been completed and of the new loan payment amount with effect from 1/2/10.
However, on the 4/1/10 you took the monthly direct debit for my loan payment as normal but you took the PPI payment amount as well. I believe that you should not have taken this PPI payment as you had already cancelled the PPI policy on 21/12/09 and refunded me in full.
I would like a full refund of this PPI payment taken on 4/1/10. If I do not receive a full refund within 14 days, I shall have no hesitation in filing another complaint with Ombudsman which I believe will result in another £500 fee to yourselves.
I look forward to your early settlement of this matter.
Success Against First Plus
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Re: Success Against First Plus
Originally Posted by rkm123
