PPI Reclaiming discussion Part III

Laini

dreamer33 wrote: »

Very good news.

I agree they should refund before its gets to FOS however there are some poor souls who take their no for an answer thinking they won't get anywhere.

Have a good Xmas

I originally complained when we settled the loan in dec 2006 but was told tough!! we were given 1400 rebate at the time.(just lost my dad so didnt have any fight in me and put it down to experience)
so when I found out off this site to go to the FOS I did - feb 2008
it has now been through 2 ajudicators and an ombudsman -phew!!

ppi = 9652.50
approx ppi payments 5 x 82.00
+ 8%

I used martin calculator to do this and it comes out with approx 12000.00

I will post up correct figure when I do them:beer:

Laini

di3004 wrote: »

CONGRATULATIONS lAINI :j :j :j :j :beer: :beer: :beer: :beer: :beer: :beer: :beer:
See I told you - you would WIN Laini......:D :T :T , now I'm jumping for JOY.......:j :j :j :j :j :j :j :j , Phew this has made my morning, well done Laini, I was on edge waiting for this lol.....:D .

hello Di:A

thank you so much for your help cos you have been through it too with NEMO

LOL
Laini xx

marshallka

Out your figures into this calculator

Mine works out like this

Amount of credit (£):* 21163
Amount of initial payment (£)285:*
Amount of regular repayments (£)285:*
Number of regular repayments160:*
Additional final repayment (£):*
Time of settlement (months/weeks):39
Repayment frequency:Months
Statutory rebate (£):13934.92
Settlement figure (£):20550.08

Di endeavour
Amount of credit (£):* 23835
Amount of initial payment (£):* 208
Amount of regular repayments (£):* 208
Number of regular repayments:* 300
Additional final repayment (£):*
Time of settlement (months:16
Repayment frequency:Months
Statutory rebate (£):34510.12
Settlement figure (£):24561.88

These are both done on rule 78 calculator

Di settled £23646 (diffennce 915)
I settled £20410 (difference 160)

on the other rule of 78 calculator Di would have settled at £25604.64

I would have settled £24235.34

di3004

Laini wrote: »

hello Di:A

thank you so much for your help cos you have been through it too with NEMO

LOL
Laini xx

With pleasure hunni I feel so relieved for you and I had a good feeling about this.:beer: :T .

So have you any more claims to do now hun ?
What about Credit Card ppi, catalogues, store cards etc lol......:D , you know what its like you start one win then you want to go on to another.:D

Well done again to you hun I am soooooo over the moon with this and I bet it has wiped that smile from nemo's faces thinking they could get out of it.:rotfl: :T :beer: :j :beer: .

Di.
xxx

di3004

marshallka wrote: »

Out your figures into this calculator

Mine works out like this

Amount of credit (£):* 21163
Amount of initial payment (£)285:*
Amount of regular repayments (£)285:*
Number of regular repayments160:*
Additional final repayment (£):*
Time of settlement (months/weeks):39
Repayment frequency:Months
Statutory rebate (£):13934.92
Settlement figure (£):20550.08

Di endeavour
Amount of credit (£):* 23835
Amount of initial payment (£):* 208
Amount of regular repayments (£):* 208
Number of regular repayments:* 300
Additional final repayment (£):*
Time of settlement (months:16
Repayment frequency:Months
Statutory rebate (£):34510.12
Settlement figure (£):24561.88

These are both done on rule 78 calculator

Di settled £23646 (diffennce 915)
I settled £20410 (difference 160)

Thanks hun and that then is different without the rule of 79 calcs then?;)

di3004

masmit wrote: »

hi, this my first message, could anyone give me advice on a claim on misold ppi. the company blackhorse personel finance. i have sent first letter, recieved response rejecting claim. sent second letter waiting for response.
they are a part of Lloyds tsb but you go to them when your credit rating not so good rejected by mainstream banks, have higher interest rate they now your situation preying on it, making you believe ppi is compulsary to get a loan. i have had a bad year no work [bicklayer] & have not been able to make payments obviously ppi no good in my case,thats why didnt want it in first place felt it was compulsary. has any one had any deelings with them & any knowledge to speed things up. in real hardship at the moment. looking for advice bought me to this site & knowing now about ppi this company owes me thousands which would keep the wolves from the door including them.
could i go sraight to the FOS to stop them dragging there feet.
help please.

Hi there and welcome to this forum.
We will try to help you all we can.

Right hun as soon as you receive the final response and if its still not resolved then you can take your complaint to the ombudsman.

Please post up as soon as you receive your final response and we will guide you from there, but keep at them, we all tend to get fobbed off with their standard fob off templates.;) Good luck !

Cheers
Di

di3004

I need to pop out but will be back as soon as possible.;) xx

marshallka

Laini wrote: »

I originally complained when we settled the loan in dec 2006 but was told tough!! we were given 1400 rebate at the time.(just lost my dad so didnt have any fight in me and put it down to experience)
so when I found out off this site to go to the FOS I did - feb 2008
it has now been through 2 ajudicators and an ombudsman -phew!!

ppi = 9652.50
approx ppi payments 5 x 82.00
+ 8%

I used martin calculator to do this and it comes out with approx 12000.00

I will post up correct figure when I do them:beer:

That was for misselling though wasn't it Laini...

:beer:

dreamer33

marshallka wrote: »

Why do you want to cry Dreamer, you have been told its strong evidence....

Be strong and get a court case going...:mad:

Its all stressing me out a little I know I'm on phone to mcol trying to find out what fees I will have to pay

dreamer33

Right here it is:

It will cost £210 to put in the claim, then if they file a defence it will go to a hearing and I would be given a date. If they put the defence in I can call the court to ask how much it will cost.

Waiting to get letter tomorrow then will issue a claim. However they might say why do it now and not before?