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.
I had an account with SPPL a couple of years ago and paid it off early it was a loan secured on my house. I paid it off early and got hammered for ERC's. As I paid it off I shredded everything so I do not have my account/agreement number, however they surely must still have me on file .. what I would like to know is can I ask statements of all the payments I made to them up to and including the date the loan was paid off ... will it cost me 10 quid to do that? and to what address should I write to .... to request this information.
Many thanks for that guys n 'gals' Oh is SPPL and SPML the same company.
sent first letter ... special delivery .. so they WILL have to acknowledge .. I do expect the usual robotic letter from them .. well ... let the battle commence!!
Are you aware that you could face large costs by starting action? The general consensus is for anyone not to start new claims at the moment as you could end up paying upeards of £5k costs.
Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.
** Nationwide - £1821.15-PAID IN FULL - Aug 06 ** ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 ** Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....
Maroonfox5 had to pay £7K he managed to get them reduced from £12K. No ERCs have been won in court and 3 have been lost. Its not a gamble I would like to place £12K on.
You where free to take your mortgage where ever you felt free, and you chose to take one with a ERC, on this point alone you will lose in court.
If you take this claim forward you will lose in court, and if before court you wish to withdraw it will cost you the defendants legal costs to date.
This can not be won, with the arguments presented on this site, you may as well go to the bank and take the money from your account and have a bonfire.
Sppl - Wish To Claim
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