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.
Can anyone help me with Black Horse. Bit of a long story but will try to be brief!. We had a loan with them which we unfortunately defaulted on, agreed a payment plan, started paying it back didnt hear from them again, then the payments stopped going out of the bank and we didnt notice, went on holiday came back to a CCJ on the mat for £649.90 which was the balance outstanding, I had received no other letters from them prior to this saying the payments had stopped. I then realised that we had PPI on this loan and that I had a valid claim. I wrote to them claiming back the premium plus interest totalling in excess of £970.00. This was in Nov 09 I have received one letter saying this was being looked at and nothing since.
My question is once they agree that I have been missold ( Im pretty confident as I have just won against Welcome ) will they then have to remove the CCJ ? As if they hadnt misold the PPI I would have finished paying for the loan before they had the chance to apply a CCJ as the amount they owe me is more than I owe them as the £649.90 includes court costs.
Sorry for the long drawn out post- but getting so fed up as they keeping putting the phone down on me and dont reply to any letters, so cant get any info from them at all. Grrrrr
Black Horse PPI Claim with CCJ
came back to a CCJ on the mat for £649.90 which was the balance outstanding, I had received no other letters from them prior to this saying the payments had stopped. I then realised that we had PPI on this loan and that I had a valid claim. I wrote to them claiming back the premium plus interest
) will they then have to remove the CCJ ? As if they hadnt misold the PPI I would have finished paying for the loan before they had the chance to apply a CCJ as the amount they owe me is more than I owe them as the £649.90 includes court costs.
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