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What Is Mis-sold


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I Am Just About To Start A Claim For My Mothers Credit Card Charges [cap One] But She Also Pays £20-£24 A Month Ppi 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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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:-D

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Mis-Sold ==

 

1) You were Not told that PPI is Optional

2) PPI cannot be made a condition of obtaining a loan / credit

3) Terms and Conditions 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/forum/ppi/61081-ppi-some-notes-claimants.html

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

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.

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