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.
Over the years we have had loans with Lloyds Tsb, we have been customers with them for approx 14 yrs or more.
When we have had loans they have automatically added the insurance.
Last year we finally paid off the loan a few years earlier, then the loan/insurance was calculated to the settlement figure.
We had informed them we were paying the loan/ins off in full by the following Monday when we had the funds in which we asked for a settlement figure. They gave us the settlement figure the Friday before but stated it may change the following Monday due to the interest. And it did by a few hundred.
When it was fully paid we didnt actually receive anything back as such yet we had paid 6 yrs earlier to a 7 yr loan.
Should we have had anything back, or is it just recalculated into a lower sum ? (by removing the ins) ?
A few years back we are certain we did have cash back in the bank when paying the first loan off early !
We are totally confused on this.
We are also interested in finding out about bank charges too.
We are platinum customers to Lloyds.
Old loan insurance/Lloyds TSB/and general.
Tsb, we have been customers with them for approx 14 yrs or more.
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