Consumer
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Disputes, commercial or individual, are best resolved with the assistance of skilled Lawyers. At KG Solicitors Limited, we adopt an imaginative approach in tackling a wide variety of claims. Alternative dispute resolution is used where appropriate. When necessary, we advise clients to litigate and we act robustly in pursuing claims on their behalves. We can provide expert advice in relation to most contract disputes and with debt problems. Currently, there are many people who have borrowed money when they could not afford to repay it. A lot of people have had what is known as "payment protection insurance" (PPI) added to their loans. These policies are intended to pay the loan in the event of the borrower being unable to pay the loan. When assessing client’s debts in divorce proceedings, or when they have been unable to work due to personal injuries sustained in vehicle accidents, it has been found that many insurance policies will not cover the person concerned for the event in question. ExampleIn one case a client had paid over £7,000 for a PPI which was added onto a loan. The client did not know PPI had been added on the loan. The loan itself was repayable over 15 years and the insurance purchased only covered the first three years. The loan was in the joint names of the husband and wife, but the insurance was only in one party’s name. The policy was inappropriate for self-employed persons, but the only person insured was self-employed. The PPI element had interest of over £7,000 added on to it under the terms of the loan. This is shocking and all too common. The money can be reclaimed and in certain cases the debt itself can be written off. |
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