PPI Reclaiming discussion Part III

di3004

Thought I would check the site out and wow its back on and its not even mid night yet......well its almost midnight lol.;) Shorter maintainance than expected or quoted then ??

di3004

sacbaby37 wrote: »

I will thanks again and hi to everyone. sarah xxxx

Hi Sarah

Not a problem, we are here for you all whenever.:A XXXX

Turboman

Hi Tylerlewis

Right, we are now absolutely sure that these loans are ongoing and we are discussing PPI refunds and keeping the resulting loans going--not settling them by paying them off.

There's so many posts giving out fragments on your info that its confusing -

Can you post the actual agreements as .jpg images or host with Photobucket (suitably edited for personal details)

or alternatively , if you are not familiar with above techniques, supply the following all in one post by Quote/Edit of this post (in a different colour ideally):

Loan1

Amount advanced:
Monthly Premium for above:
APR % :
Date Commenced:
Loan Term in months:
Total Interest (if quoted on agreement)

Amount of PPI Loan:
Monthly Premium for above PPI loan:
APR % (if different) :
Total Interest (if quoted on agreement):

TOTAL OF THE ADVANCE AND THE PPI LOAN:
TOTAL MONTHLY PREMIUM PAYABLE:

Number of Payments made:

LOAN 2
Amount advanced:
Monthly Premium for above:
APR % :
Date Commenced:
Loan Term in months:
Total Interest (if quoted on agreement)

Amount of PPI Loan:
Monthly Premium for above PPI loan:
APR % (if different) :
Total Interest (if quoted on agreement):

TOTAL OF THE ADVANCE AND THE PPI LOAN:
TOTAL MONTHLY PREMIUM PAYABLE:

Number of Payments made:


PLUS any clauses/tables on the agreement that you think are information that affects premiums/refunds/cancellations ( these might be useful to have here all in one post)

Turboman

NickProv wrote: »

Im claiming back my PPI which was mis sold by yes you guessed 1st plus. I have been paying it for 40 months and pay £96.12 per month as its on a huge loan over 20 years. How much should I be claiming back?? I have had a offer of 1st plus for £2721. Im thinking I should be claiming back what I have paid plus 8% is this right with my calculations being around £4158, is this about right or should it be more.
Please someone help

Thanks Nick

Hi Nick

However, we need you to post up more info:

Amount advanced:
Monthly Premium for above:
APR % :
Date Commenced:
Loan Term in months:
Total Interest (if quoted on agreement)

Amount of PPI Loan:
Monthly Premium for above PPI loan:
APR % (if different) :
Total Interest (if quoted on agreement):

TOTAL OF THE ADVANCE AND THE PPI LOAN:
TOTAL MONTHLY PREMIUM PAYABLE:

Number of Payments made

and as its Firstplus, a list detailing:

Date of payment change/revised payment amount/revised %

And current balance from your latest statement + the date of that balance

and I can then work it out quite easily--(IF I get the info)

pinknico

booi666 wrote: »

u aint met my wife:eek:


She makes ppi look like an episode of button moon:rotfl:

I used to love Button moon!!!

pinknico

Turboman wrote: »

Right--we may all be talking about different things

When you say Refund Letter--what is being refunded

a) PPI cos mis-sold and loan then still active with reduced premium
b) Refund cos you merely cancelled it
c) or whatever?


Anyway--nobody get stressed cos I've arrived--:D I probablably don't know what I'm talking about!

To soothe you all before the service goes down--listen to this beautiful song by Lea Salonga in Miss saigon (I actually saw it)

http://uk.youtube.com/watch?v=i_KmhG-LHrE

Thanks for that, I love Miss Saigon. Will have to dig out my cd and scare the children with my singing today!

pinknico

Turboman wrote: »

Right--we may all be talking about different things

When you say Refund Letter--what is being refunded

a) PPI cos mis-sold and loan then still active with reduced premium
b) Refund cos you merely cancelled it
c) or whatever?


Anyway--nobody get stressed cos I've arrived--:D I probablably don't know what I'm talking about!

To soothe you all before the service goes down--listen to this beautiful song by Lea Salonga in Miss saigon (I actually saw it)

http://uk.youtube.com/watch?v=i_KmhG-LHrE

Nobody is stressed cos you have arrived, we are very pleased to see you here. I havent had a refund yet ,but if I post some figures can you tell me what I would have been paying monthly if the PPI hadnt been added?

booi666

pinknico wrote: »

I used to love Button moon!!!

AAWWWW pink,

Do you remember the words aswell:rotfl:

pinknico

booi666 wrote: »

AAWWWW pink,

Do you remember the words aswell:rotfl:

I remember Mr Spoon and Tina!!!!

NickProv

Sorry what is the amount advance?
Monthly Premium?
7.4% variable
loan term is over 240 months
Doesnt quote the total interest

PPI LOAN IS 12,245.00
Monthly premium on the PPI where is do I find that out?
APR is the same
Interest isnt quoted

The loan is for 50,000 + 12,245 for PPI total 62,245,
Monthly payments 393.67 for the loan and 96.42 for the PPI totalling £490.09 but the repayments have been totalling £615 per month.
The loan was taken out Oct 05 and so have made 40 months worth of payments.
Not quite sure on the balance at the present time.

Sorry re the information if you can let me know what more you need that would be great.

Thanks Nick

Turboman wrote: »

Hi Nick

However, we need you to post up more info:

Amount advanced:
Monthly Premium for above:
APR % :
Date Commenced:
Loan Term in months:
Total Interest (if quoted on agreement)

Amount of PPI Loan:
Monthly Premium for above PPI loan:
APR % (if different) :
Total Interest (if quoted on agreement):

TOTAL OF THE ADVANCE AND THE PPI LOAN:
TOTAL MONTHLY PREMIUM PAYABLE:

Number of Payments made

and as its Firstplus, a list detailing:

Date of payment change/revised payment amount/revised %

And current balance from your latest statement + the date of that balance

and I can then work it out quite easily--(IF I get the info)