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. #1
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    Default help please!! debenhams/ge money/santander

    just wondered if anyone could please give me some advice, i have started the process of reclaiming for PPIicon on my debenhams acc, and have had the usual letters where they fob you off, i have written back saying i wanted them to rethink there decision, they have sent a replay today saying that they will not be changing their mind as i signed the form in 2001 and so must of been happy with everything and should of cancelled the cover staright away, i never recieved any documents regarding this policy and was only working part time for my hubby at the time , so it would of been of no use, but they will not reconsider but say to go to fla, which i gather is no use from other posts, any ideas from anyone would be gratefully recieved, thank you



  2. #2
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    Default Re: help please!! debenhams/ge money/santander

    bump

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.


  3. #3
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    Default Re: help please!! debenhams/ge money/santander

    I'm having the same battle with them over PPIicon - they are very stubborn.

    If you opened your account in store you probably had the same form as me & the OH, there is NOWHERE to sign for ppi or even a 'tick' box consenting to ppi.

    Just received my cca (bad copy) from CL - after Santandericon stating they no longer have it due to the age of the account, in very small print at the bottom its stated that ppi will be added free for 28 days - its up to you to cancel within that time if you dont want it (complete rubbish - IMHO!)

    If you'd like the exact wording I'll happy quote the paragragh on your thread.

    With compound interesticon mine stands at well over £9k.

    I cant find any success stories concerning Debenhams ppi - hoping mine may be amongst the first

    Beachy


  4. #4
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    Default Re: help please!! debenhams/ge money/santander

    I too am having a big ongoing battle with these .........s. They will fob you off all the time referring you to the FLA - useless, dont bother! saying that you cannot go to the fosicon. The FOS may not be able to deal with the claim against Debenhams/GE Money/Santandericon due to the fact that they were not regulated at the time but if you can find out who the underwriters of the policy were (mine were Financial Insurance Co) then they may be able to make the complaint against them as they were regulated. At this present time I am waiting for an adjudicator from the FOS to get in touch with me regarding my complaint. Hopefully I will eventually get somewhere as it has taken well over a year of corresponding with Debenhams then GE then Santander and they will use every trick in the book to put you off. My advise - dont be fobbed off - the more they did it to me the more determined it made me to bring these ........s to justice. Pursue, pursue, pursue and I hope that you will get a good outcome!

    GE MONEY - DEBENHAMS CARD
    Settled in full after prelim

    MBNA
    Settled after LBA
    however mistake made by me on contractual interest so going after the rest now
    SETTLED IN FULL JAN 2007

    MINT
    Offer after prelim rejected
    Settled in full after LBA


    to go:
    Barclays Bus Ac - to mcol
    Barclays CC - to mcol
    Nat West (over 6 years) no action taken yet
    Creation Financial - awaiting statements since Dec
    Goldfish - offer after prelim rejected
    and some more

  5. #5
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    Default Re: help please!! debenhams/ge money/santander

    thank you for your replies, i am going to go to the fosicon and see what happens from there, just wondering how do i find out who the underwriter were, thanks again


  6. #6
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    Default Re: help please!! debenhams/ge money/santander

    have heard back from fosicon, and they are unable to go any further, which is what we thought they would say, they do say about the underwriters, how do i find out who there were, as i have no policy booklet of any other paperwork other than the cca, that santader sent to me, any help would be great, the policy was in 2001 thank you



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