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.
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Interestingly the Misrepresentation Act allows for criminal sanctions [ prosecution under the Theft Act] where fraudulent misrepresentation can be shown. I think it might be argued that the mis selling has been fraudulent! I appreciate though that negligent mis selling might be more useful as it reverses the burden of proof. I like the HR element too!
All in all I would say an excellent statement of claim - have you had any response yet? Do keep us all informed.
Hi Bicester1,
I have not submitted the above claim as yet, I have to use the nglish court system for this one as I want it to go through the small claims track for obvious reasons. Being in Scotland does have its downfalls..lol
I am just waiting for the outcome to the ICO's Investigation regarding their failure under the Data Protection Act, I have had confirmation that the case is being dealt with my a senior case worker and can expect the outcome within the next 14 days or so.
Once I have this I will be submitting the claim to court, I just thought the more evidence etc that I have showing that I have been reasonable and tried to settle this without court may in the end help. Of course with them not responding to an nvestigation by their own FISA does not look good for them either.
Lets hope the judge sees from the claim what type of Company Ge Money / Purpleloans are and their total lack of respect for Authority etc.
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Well the very best of luck. Like you I am constantly amazed at the arrogance of the banks. " We don't accept the OFTs conclusions etc etc..."
It would be nice if one could make a case of Fraudulent Misrepresentation stick and then ask the CPS to investigate with a view to prosecution under the Theft Act, still I've just seen those pigs go past the window again!
REMOVED .. Yet another modified Statement of claim compiled over the weekend...
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Sent a Final Offer to GE before court.. Being Faxed to them Thursday Morning First Thing, I thought I would give them a final chance to settle since the FSA fined them £610,000.00...
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Reid. Great letter and I am watching this with interest. Do you think it is a good idea to send them a link to this website? Its just that you are going to give them the opportunity of knowing what is about to come. I know that their monitoring of this site is generally unwelcomed.
Good luck anyway mate x
If you think my post was helpful, please click the scales
I will be in sunny Jamaica from 18th to 24 May thanks to Barclaycard
Reid. Great letter and I am watching this with interest. Do you think it is a good idea to send them a link to this website? Its just that you are going to give them the opportunity of knowing what is about to come. I know that their monitoring of this site is generally unwelcomed.
Good luck anyway mate x
Can easilly remove the link as letter being faxed today.. Im sure they know of this site already.. And there are regs for signing up..
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Normally, they dont sign up, but just browse through the threads. I just think you are better armed if they dont know your moves in advance. They may be already monitoring the site, you never know. If they are not, then I just think its better if they dont know about it. Not so much for you, as you know exactly what you are doing. However, there are others on this site less articulate.
Anyway, you POC is awesome. I cant wait to see the outcome lol
If you think my post was helpful, please click the scales
I will be in sunny Jamaica from 18th to 24 May thanks to Barclaycard
Well got no response from GE Money , which does not surprise me one little bit.. I have compiled an even better statement of claim over the weekend, and I have today submitted it to Wolverhampton Combined Court.
Ive had enough of them taking the mick.. So Blue touchpaper has now well and truley been lit.. Lets hope its not a damp squib as they say..lol
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Well, Have had it confirmed today from GE Money and a Press Contact that the Summons has well and truly arrived at GE Money.. so sit back and wait and see what they respond with.
And will be interested to see if GE made any comment to the Press for the story that is being run in tomorrows paper..
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Keep us all informed, I wonder how hard they will fight?
Bicester1
MBNA WON £623
GM Card Won £580
Barclaycard lba
Nat West Bank offer received negociating
Nat West CC offer received negociating LloydsPPI prelim
Any advice is given informally. I am not a lawyer. Consult a trained professional if unsure of your legal position. If my advice is helpful please tip my scales!
Bicester1
MBNA WON £623
GM Card Won £580
Nat West CC Won £525.08
Nat West Bank Won £2346.60
Lloyds PPI LBA
Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal
HBOS about to issue N1
LLoys Bank LBA
I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!
Well they at least replied to my letter rather smartish this time..
Fingers , Legs and eyes crossed now..lol
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
MBNA WON £623
GM Card Won £580
Barclaycard lba
Nat West Bank offer received negociating
Nat West CC offer received negociating LloydsPPI prelim
Any advice is given informally. I am not a lawyer. Consult a trained professional if unsure of your legal position. If my advice is helpful please tip my scales!
Bicester1
MBNA WON £623
GM Card Won £580
Nat West CC Won £525.08
Nat West Bank Won £2346.60
Lloyds PPI LBA
Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal
HBOS about to issue N1
LLoys Bank LBA
I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!
Final Statement of Claim has been removed temporarly..
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Hi Stan,
I have included interest at the contractual rate, and also Judicial Interest at 8% APR.. It is in there..alond with Court fees etc.
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Hi Reidnet,
You ve been a very busy little bee, great stuff, fasinating thread.
Like to know where you get your strengh from.
I heard that G E have a term is their secured loans contract allowing them to claim back their legal costs from you, can you shead any light on this at all ???
Hi Reidnet,
You ve been a very busy little bee, great stuff, fasinating thread.
Like to know where you get your strengh from.
I heard that G E have a term is their secured loans contract allowing them to claim back their legal costs from you, can you shead any light on this at all ???
Many thanks for paving the way
Regards Lynn
I would advise that you check their terms and conditions in great detail before starting a claim, if they do have such a clause I would tread carefully at the momment. My claim is slightly different in a way, Though my loan was arranged by GE / Purpleloans the actual loan agreement was with FIRSTPLUS. This has since been settled in full withy Firstplus, at the time GE/ Purpleloans were acting as brokers for Firstplus.
If you have a copy of their full terms and conditions I would be very interested in seing them.
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Reid vs Purpleloans / Ge Money
from Purpleloans / Ge Money on a Firstplus loan.
(As Seen on TV) 
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Originally Posted by stan5131
