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.
Hi I have PPI on a loan with Natwest. a year ago my husband lost his job and we claimed on the insurance. they paid our loan repayments for the three months he was out of work, good, although we didn't get any money until he was actually working again. when he did get a job, it was a seasonal one. I told the insurers he got a job so no further cover needed for now but his job was seasonal, they said ring when his job ends, infact they told me to ring a couple of weeks before the end, and they would treat as a continuous claim. as it was they made us start all over again and fill all forms in as a new claim. they have now refused to pay as his job was a fixed term contract. he had permanent employment when we took out the loan, and permanent employment he was originally made redundant from. the seasonal job was better than no job. and infact meant they were payin less out on our claim. where do we now stand? Can I insist they honour it? Can we actually claim our premiums back even though they have paid for cover once on it so we have 'used' the insurance. Thank you to anyone who can offer help on this.
Hi I have PPI on a loan with Natwest. a year ago my husband lost his job and we claimed on the insurance. they paid our loan repayments for the three months he was out of work, good, although we didn't get any money until he was actually working again. when he did get a job, it was a seasonal one. I told the insurers he got a job so no further cover needed for now but his job was seasonal, they said ring when his job ends, infact they told me to ring a couple of weeks before the end, and they would treat as a continuous claim. as it was they made us start all over again and fill all forms in as a new claim. they have now refused to pay as his job was a fixed term contract. he had permanent employment when we took out the loan, and permanent employment he was originally made redundant from. the seasonal job was better than no job. and infact meant they were payin less out on our claim. where do we now stand? Can I insist they honour it? Can we actually claim our premiums back even though they have paid for cover once on it so we have 'used' the insurance. Thank you to anyone who can offer help on this.
At first glance at your post I would say yes you can claim. Probably only on the premiums paid from the start of his new fixed term contract which they refused to honour.
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.
ppi confusion/hassle
on a loan with Natwest
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Originally Posted by fastmower
