Sentinels Solicitors

Consumer and Injury Specialists

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Category:PPI claims

5 things to do if you think you have been missold PPI and something extra

Here are 5 things to do if you think you have been missold PPI: Gather your financial documents together eg loan or credit card statements, any terms and conditions and emails or letters from the bank or credit card company. Complete as much as possible the PPI-consumer-questionnaire.  Include as much detail to help identify you […]

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PPI cut off date set for 29-08-19

If you think you may have a PPI claim and have not yet done anything about it, we recommend that you look at it now.  A cut off date of 29-08-19 has been set so that any claims after this date will be likely to be rejected. Lloyds, Barclays, RBS, HSBC and Santander have all […]

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Claims under Section 75 and 75A of the Consumer Credit Act

I have blogged about this before here but this is worth keeping an eye on, especially section 75A which is often overlooked. Where you have paid for something wholly or partially on your credit card (total value between £100 and £30,000 – section 75) or bought larger items or services under a finance agreement (between […]

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How to enforce Financial Ombudsman Awards

I have blogged about this before here.  Enforcing an Ombudsman’s decision in court is necessary when the company does not do or pay what the Ombudsman has decided or awarded. This is particularly so in these times where the financial sector is coming under more scrutiny and criticism than ever (and rightly so in my […]

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Missold investments, Cliquet and other structured investment products

In June 2014 the Financial Conduct Authority (FCA) has fined both Credit Suisse International (CSI) and Yorkshire Building Society (YBS) for failing to ensure financial promotions for CSI’s Cliquet Product were clear, fair and not misleading. CSI was fined £2,398,100 and YBS was fined £1,429,000. The Cliquet Product is a ‘capital protected’ 4, 5 or […]

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Mis-sold PPI – compensation decision

In a case in November 2014 (Plevin v Paragon) the Supreme Court ruled that Paragon’s failure to disclose that they would receive a commission of over 70% was unfair under section 140A of the Consumer Credit Act 1974. However because Ms Plevin had expressly requested the PPI cover, knew the product she was getting (but not […]

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STILL WAITING FOR WONGA?

If you received “fake” lawyers’ letters from Wonga you should be receiving offers of compensation. If not you ought to write to Wonga chasing this up. If you want some legal help call Nick at Sentinels Solicitors on 01925 759 510. No obligation and I may be able to help. Share This!

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Interest Rate Hedging Products – “Caps, collars and swaps”

These products (often referred to as IRHP’s) are usually offered when credit is given or loans taken out and are intended to “protect” the borrower against some unforeseen movement in the interest rate.  The borrower could be a company or other business, big or small or an individual. In brief the intended effect of these […]

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Enforcing Financial Ombudsman Service Awards and Decisions in Court

If you have an Ombudsman’s decision in your favour but the Company or business has not paid or done what the Ombudsman said they should do.  Where do you go from here? Asking the Ombudsman for Help The Ombudsman can threaten to report the business to the Financial Conduct Authority (formerly the Financial Services Authority) […]

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CPP card and identity protection – claims deadline 30th August 2014!

If you have taken out (or renewed) card or identity fraud protection from the company CPP since 14th January 2005 it may have been mis-sold to you and you may be entitled to recover the cost to you of taking out the cover together with any interest.  The Financial Conduct Authority (FCA) is the government […]

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