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)


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  1. 21st February 2007 16:23 #1
    JOE 90 JOE 90 is offline
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    Default What Is Mis-sold

    I Am Just About To Start A Claim For My Mothers Credit Card Charges [cap oneicon] But She Also Pays £20-£24 A Month PPIicon How Do I Go About Getting This Back .i've Already Done My Bank Charges So Not A Complete Virgin At This. Dont Understand The Mis -sold Part?

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  2. 21st February 2007 16:55 #2
    dx100uk dx100uk is offline
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    Default Re: What Is Mis-sold

    most of this is answered in the various threads.
    but it varies between policy to policy.

    but if she didnt ask for it or [through clauses in the policy] can never claim it, or if she was told she must have it to get the card then it is a mis-sell issue.


    dx100uk

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
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  3. 21st February 2007 17:05 #3
    JOE 90 JOE 90 is offline
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    Default Re: What Is Mis-sold

    Oh, I Have Asked Her About It And She Can't Remember Being Told Anything Just Paying It

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  4. 21st February 2007 18:28 #4
    the big g the big g is offline
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    Red face Re: What Is Mis-sold

    Hi Joe 90

    Who is the card with? Some of the card issuers ie; MBNAicon add it without informing you and you only find out you have when the first statement arrives.

    The Big G

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  5. 22nd February 2007 00:05 #5
    reidnet reidnet is offline
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    Default Re: What Is Mis-sold

    Mis-Sold ==

    1) You were Not told that PPIicon is Optional
    2) PPI cannot be made a condition of obtaining a loan / credit
    3) terms and conditionsicon not explained etc etc..

    Thats is just some reasons for being Mis-sold.

    I have posted some Notes here which may help make things clearer too..

    http://www.consumeractiongroup.co.uk...claimants.html

    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.



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    Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
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