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. 7th January 2010 21:22 #1
    jdes26 jdes26 is offline
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    Default my new account number but no agreement

    i have a credit card account it was set up in 2005 and in 2006 Lloydsicon changed the card number and put PPIicon on it the origional card had a limit of 9200 and i have an enforceable agreement for it but when i paid the full amount off the next month the reduced the limit to 5200 and added ppi and DIDNT i quote! send me a new CCA

    please i need to know where i stand.... i would of thought they would have to of sent a new agreement as they changed the account number to

    please

    any thoughts wud be great

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  2. 11th February 2010 21:22 #2
    alanalana alanalana is offline
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    Default Re: my new account number but no agreement

    Quote Originally Posted by jdes26 View Post
    i have a credit card account it was set up in 2005 and in 2006 Lloydsicon changed the card number and put PPIicon on it the origional card had a limit of 9200 and i have an enforceable agreement for it but when i paid the full amount off the next month the reduced the limit to 5200 and added ppi and DIDNT i quote! send me a new CCA

    please i need to know where i stand.... i would of thought they would have to of sent a new agreement as they changed the account number to

    please

    any thoughts wud be great
    Sorry about the delay in responding. IMO if you have a new card with a new limit then you should have a new CCA write and insist that they supply it so you know where you stand legally and are also aware of the APR and terms and conditionsicon on the new card. I would also consider cancelling the PPI on the card as you can obtain Insurance cover more cheaply by shopping around.

    The Competition Commissioners Office has this to say about it.

    http://www.competition-commission.org.uk/rep_pub/reports/2009/542ppi.htm

    Hope this helps.

    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