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



+ Reply to Thread
Results 1 to 3 of 3

Thread: Ppi

  1. #1
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    walkinthepark Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    Posts
    194

    Default Ppi

    Hi

    I'm wanting to claim my PPIicon back as I wasn't aware that it was optional. Also, can someone tell me if having PPI is useless if you work part time as I only work 19 hours? Does it state on your statement that you are paying for PPI. I've had this credit card for years and I'm sure I've got PPI but don't want to look an idiot. My credit card is in dispute and I want to make doubly sure that I have it before I contact Barclaycard. Thanks.


  2. #2
    Gold Account Holder
    Help the CAG!!
    Download our toolbar
    alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana Authoritative alanalana's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Nov 2006
    I am in
    Cumbria
    Posts
    4,620

    Default Re: Ppi

    Quote Originally Posted by walkinthepark View Post
    Hi

    I'm wanting to claim my PPIicon back as I wasn't aware that it was optional. Also, can someone tell me if having PPI is useless if you work part time as I only work 19 hours? Does it state on your statement that you are paying for PPI. I've had this credit card for years and I'm sure I've got PPI but don't want to look an idiot. My credit card is in dispute and I want to make doubly sure that I have it before I contact Barclaycard. Thanks.
    Please read the stickies at the top of this forum for all the necessary links to help you claim. Here are a few to get you started.

    PPI - Some Notes for Claimants..

    BANKS are giving incorrect advice on PPI

    Full SAR for ppi

    Data Protection Act 1998 - Subject access request

    You can be specific with what data you request although the Subject access requesticon is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

    You should request the following documents:

    A true copy of your Consumer Credit Agreement with the terms and conditionsicon that were applicable at the time you took the loan/card/mortgage.

    A ‘demands and needs’ questionnaire.

    Copies of all statements applicable to the loan/card/mortgage.

    Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

    Copies of all recorded telephone callsicon or transcripts of the recordings.

    Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

    Do not be fobbed off by them citing issues such as relevant filing systems.

    If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
    Mis-sold PPI? Want your money back? use these links to help

    This should keep you busy. Homework first then get your money back.

    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.

  3. #3
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    Snowingagain Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2010
    Posts
    125

    Default Re: Ppi

    Hi Thank you for this it was very interesting.



Browsealoud
Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE