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. 3rd February 2010 23:32 #1
    upferret upferret is offline
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    Default Hi, a little help please?

    Hi, this question is pasted from my other thread aout HSBCicon. I have received a letter eventually, stating that HSBC no longer have a credit card agreement. If anyone can help me with the following I'd be grateful! thanks

    would I be able to reopen my PPIicon miselling case as they have now admitted to not having the agreement? (I was originally asking for my agreement for this reason) as the fosicon said it was too late to reclaim the PPI as it has been over 6 months since the banks "final position on the matter" letter was received. I wasnt aware at the time that there was a time limit. Thanks for all your help.

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  2. 11th February 2010 22:26 #2
    alanalana alanalana is offline
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    Default Re: Hi, a little help please?

    Quote Originally Posted by upferret View Post
    Hi, this question is pasted from my other thread aout HSBCicon. I have received a letter eventually, stating that HSBC no longer have a credit card agreement. If anyone can help me with the following I'd be grateful! thanks

    would I be able to reopen my PPIicon miselling case as they have now admitted to not having the agreement? (I was originally asking for my agreement for this reason) as the fosicon said it was too late to reclaim the PPI as it has been over 6 months since the banks "final position on the matter" letter was received. I wasnt aware at the time that there was a time limit. Thanks for all your help.
    I would call the FOS again and explain exactly what you have posted here and ask for further advice.

    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