hi everyone...I have long since sent aletter of complaint stating that i had contacted Nemo via letter four times to allow the insurance to cover whilst i was unemployed ...nemo has replied saying they would investigate the matter and get back to me But shockingly i get a possession order from a county court from Nemo solicitor for a hearing on 2nd september 09 , what should i do , please help......

yes...there was a broker involved...but according to the agreement wesigned....it says it covers for max of 5years, for accident,unemployment and sicknesss....i will start writting my dispute letter asap then

i took a loan with Nemo in 2007.....but recently i have been out of work for some while and so have been unable to pay the monthly fee.......however when i reviewed the CCA which i have a copy of i see i was paying for PPI....the loan was about £14k and the PPI was about £2,600. yesterday i got letter from nemo saying that they were planning to reposses the property ...they added the arears to the loan which is about £2,600...which is working to a total of £18k my question is since iam paying PPI ....is the insurance company not supposed to cover the payment now that iam not working.....it actually says on the CCA that the cover is for 5years....... I have called nemo, told them i have been out of work for sometime and that what should i do...and they keep saying that i should pay something when i dont have any income at all.They also said they had sent some one to visit me ...which is not true as no one came and they said they have been calling whilst i have not received any call whatsoever from them.Infact i was thinking all this while that the PPI was covering the payment ,as i had called them in 2008 that i was out of work.I smell something fishy...... How do i proceed in getting the PPI company to cover the payment now that i am out of work........is there a template letter i can use ..... I would really appreciate any help on this.

sometime in 2008 bailiffs attended our property for a £65 pound parking fine......they clamped my wifes car which she uses for her self employed business for deliveries...she told them they could not do that as she uses it for business and also as she was on diabetes medication and therefore needed the vehicle to go for her doctors appointment...they refused and were very agreesive and quite loud ....they were 2 guys ......feeling very harassed and knowing she would miss out a customer she needed to make deliveries to that day .....she had to pay £721 to the bailiffs.....i have just seen the receipt and in it they claimed 471.19 for bailiffs cost, £43 forlevy on the vehicle and then added vat which amounted to £721. she paid £75 cash and the rest was via cards..... i feel it was highly unfair and i am asking for any advice on what i can do to get some money back..... i heard bailiffs cant charge vat, cant levy on a vehicle used for self employment, etc .......are template letters i can use .....please help:mad:

hi I read this theread with interest.......i had a similar problem and i was was wandering if you can advice .....we had a personal loan a about 2 years ago with logbook loans ,we were using a company car where i was a director ......i was meant to pay the loan off in 3 months ...but when i could not keep up.....after paying almost 3/4 of it .....they starting adding 35pounds per letter they sent, and also suddenly the outstnading kept increasing from £1250 to £4000....then oe moening they came and took the car. there are some points that are not clear to me .....do they have a right to take the car which was not in my name but in the name my company seeing that i took the loan on my name. the car was worth about twice their inflated sum but i never got any change back....what i did get was a letter from some collection agency asking for more money saying that the car did not fecth enough at auction ...incredible!!! can i reclaim on the exobitant interests added to the money.Can i claim on the 35pounds letter charges please i will appreciate any advice on this thanks

i dont quite understand what i should do from the responce......what direction of action should i take to fight it.

hello i was just wandering if there is anything i could do about this,about three years ago , my wife took a log book loan , the interest was rediculous , the loan was about 2.5 k but the interest was outrageous .......she paid for a couple of montsh but when she could not keepup they took tthe car ...the car was worth 7k and the outstanding was about 2k including the outrageous interest.......LBL obvoiusly sold the 7k car and sent a debt collection agency to start asking for more money of my wife.....she tried paying some and later couldnot.....she wrote the LBL a letter telling them that she knew that the car was worth 7k and so there was no reason why they should be asking for more moneyand infact she ought to receive a balance check from them from the sale of the car........ now coming across this form and i was wandering if there is anyway i could fight back and get her some money back or something.....please can you help ...with the appropriate letter templates or advice etc.....thanks