PPI Reclaiming discussion Part III

di3004

NickProv wrote: »

Yes its still active with a long way 2 go

Hi Nick

Maybe if you can - post up the calculations on here, this will give an idea of the amounts to be refunded or reduced.

So say loan date
Loan amount
PPI amount
Apr charged if possible

Then Turbo can check this out for you, then we can take it from there.;)

di3004

Nick I have to go and dish dinner now, so hopefully someone will come on here before I get back, don't worry you will get help with this, so if you can check posts now and again.;)
Catch you later.

marshallka

NickProv wrote: »

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

Di Nick has been waiting for Turboman to get the figures up from here.

marshallka

Di turbo has already had these figures... here is his post..

Originally Posted by Turboman
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)

di3004

marshallka wrote: »

Di turbo has already had these figures... here is his post..

Originally Posted by Turboman
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)

arh silly me lol.....:o , apologies Nick, and I am sure Turbo will be back later on.
Di

Neptune76

Hi again,

Still looking into my egg card PPI claim before going to FOS. Some people seem to think that egg were fined for using pre ticked box's for on line applications but I can't find any proof of that. Also am I right in thinking that all on line credit agreements made on line before Dec 2004 had to be sent out and signed by the person taking out the credit? As digital (ticking a box) signatures were not legally binding before this date. Anyone got any thoughts on that?

di3004

Neptune76 wrote: »

Hi again,

Still looking into my egg card PPI claim before going to FOS. Some people seem to think that egg were fined for using pre ticked box's for on line applications but I can't find any proof of that. Also am I right in thinking that all on line credit agreements made on line before Dec 2004 had to be sent out and signed by the person taking out the credit? As digital (ticking a box) signatures were not legally binding before this date. Anyone got any thoughts on that?

Hi Hunni

Check this out here:
http://news.bbc.co.uk/1/hi/business/7775496.stm

http://www.guardian.co.uk/money/2008/dec/11/ppi-creditcards

http://www.insurancedaily.co.uk/2008/12/10/egg-fined-721000-for-mis-selling-ppi/

I have never filled an online credit agreement myself hun, and am sure the ones who have been through it will confirm this to you, but I assumed it would have to be signed in order for you to agree to it, otherwise if is the case they have added it when they should have made sure with you first.;)

marshallka

di3004 wrote: »

Marshallka, sent you a PM hun.:D

Yeah read them;)

di3004

Hiya Boo.;)

Right hun, I am asking you this now and want you to be honest......:D

When you first joined up on here, what did you think of this actual thread ?

I know your happy now to be here "obviously" but your first thoughts of this thread - pretty please ?:D :A X

(have sent you a pm) X

booi666

di3004 wrote: »

Hiya Boo.;)

Right hun, I am asking you this now and want you to be honest......:D

When you first joined up on here, what did you think of this actual thread ?

I know your happy now to be here "obviously" but your first thoughts of this thread - pretty please ?:D :A X

(have sent you a pm) X

Hi di,

When i 1st joined i joined for other reasons re hp agreements but somehow got sidetracked onto ppi,:eek:

Where i found the info and helpfullness amazing and then i realised i had ppi and started talking to u guys,:A

Then i became hooked as your all so freindly,and i no i mght make it like msn:o now and again but i feel you gotta have a bit of a laugh as ppi/debt can really damage your health if you let it,

So all in all you guys are living proof of magic xxxxxxxxx