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. 31st March 2006 13:10 #1
    Retro1972 Retro1972 is offline
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    Default Loan Insurance payout

    I have recently lost my job due to illness and claimed on a payment protection policy on a loan. The insurance company are only paying the interesticon rate as ot was at the time the loan was taken out. Is this normal?

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  2. 1st April 2006 00:57 #2
    breadline breadline is offline
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    Default Re: Loan Insurance payout

    How awfull for you.

    If i was you the 1st thing i would do is, get a copy of the agreement and have a good browse through it.

    Wasnt your loan at a fixed interesticon rate? a % to the amount borrowed, i didnt think that could change..

    or am i right off track here??

    Is it a mortgageicon? secured loan?


    Jules

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  3. 1st April 2006 07:26 #3
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    Default Re: Loan Insurance payout

    Ye, read the T&Cs and come back here. If you find it then let us know. If you can't find it then maybe you could scan us the T&Cs and we'll have a look.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  4. 10th April 2006 11:10 #4
    Retro1972 Retro1972 is offline
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    Default Re: Loan Insurance payout

    I've found all the loan paperwork but can't find any relating to the insurance, incidentally the Insurance company is Cardif Pinnacle who someone else has also posted about.

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  5. 10th April 2006 17:40 #5
    Loula Loula is offline
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    Default Re: Loan Insurance payout

    Hello!

    Ask them for a copy of the terms and conditionsicon which you signed. They do update these periodically so you should specify that you require the documents relating to the time at which you signed the agreement.

    Any problems please come back to us.

    I will, in the meantime, try to look on the internet for this company and any details pertaining to loan insurance.

    LOULA

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  6. 10th April 2006 21:05 #6
    Loula Loula is offline
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    Default Re: Loan Insurance payout

    Nothing on the web.

    Looks like the policy Cardif Pinnacle provided was tailr made for the loan company.

    Please supply as much info as you can, then I may be able to help you more.

    LOULA

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