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.
hiya , i have finally taken my head out of the sand and want to start clearing my debts, in doing so i realise that i have missold PPI on two loans from welcome finance and would like help on what to do next, one loan my husband signed for in 2004 was 4000 with ppi but we have no idea of acount number etc, this was topped up in 2007 again with ppi cover we still had no idea it wasnt required to get the loan we were under the impression its just part of the loan package, all are settled and paid in full now but i have no account numbers to put on the SAR,
i then took out a seperate loan in 2008 with ppi again didnt know it was a choice, this was reloaned in 2009 without ppi as i was aware theres were more expensive than an independant company and realised i could insist in not buying from welcome on this occasion.
also on behalf of my mother she took out a loan with ppi and paid it off in full within 7 months but from what i can see on paperwork ppi was paid in full for 75% term of loan or thereabouts for early settlement can she still claim.
sorry post is a little erratic i have bitten bullet and want to get balls rolling in next seven days i am aiming to be debtfree in two years sooner if ppi is reclaimed thanks for reading.
Regarding not knowing any account numbers, when you make a Subject access request, giving them as much info as possible, like your address ect when you took out the Loans, they should be able to give you everything they have on you.
The PPI issue, sorry I'm not too clued up on PPI, but if you have a good look at the 'stickies' at the top of the Forum, they should give you some idea of how to proceed.
Regards.
Scott.
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Harrop, to avoid confusion on the few claims you have, can I please invite you to start a new thread in the welcome section by clicking here . From the little you posted I am pretty sure we can get your claim for PPI done and you will get a cheque for the premum plus interest plus stat interest. Theres a few that have won over the last few weeks and about 4 more on their final stages and as your account is closed their is no account to ofset so only option is cheque.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
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ppi reclaiming need help on where to start
on two loans from welcome finance and would like help on what to do next, one loan my husband signed for in 2004 was 4000 with ppi but we have no idea of acount number etc, this was topped up in 2007 again with ppi cover we still had no idea it wasnt required to get the loan we were under the impression its just part of the loan package, all are settled and paid in full now but i have no account numbers to put on the SAR
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