Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

dialysis

amersall wrote: »

:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:jexcellent news everyone, well done:cool::cool::cool::cool::cool::cool::cool::cool::cool::cool::cool::cool:

Thanks amersall!!!!! xxxxx:beer::beer::beer:

amersall

di3004 wrote: »

Deloittes have confirmed that they have received all the details from the lenders and are dealing with the case, (TWOPART), and a decision is to be made very soon.;)

Thought I would let you, know.:j

ooh fingers crossed di xxxxx

amersall

dialysis wrote: »

Thanks amersall!!!!! xxxxx:beer::beer::beer:

you are most welcome am really chuffed for you all xxxx

busbyh

amersall wrote: »

so in effect you will pay the ppi back as usual on the loan for the remaining term and your monthly payment stays the same, so in effect with interest you will pay more back than the actual ppi refund you get? if that is the case i would sooner pay it back off the loan and have a reduced monthly payment than pay perhaps double back over the term of the loan.. or is the ppi refund taken off the loan and the loan back to original payment, god this is so confusing

Hi amersall, I agree with what you say about paying it back off the loan, but it all depends on the individuals personal circumstances.

You will ultimately pay a lot more back if you didn't pay it off the loan, which makes a lot of sense, to pay it off, but some people just need to look at their monthly outgoing in the short term and make things a little easier for themselves, rather than in the long term.

But I do agree with what you say if you are in a position to pay it off would be great, and bring down the monthly payments, or there is also the option of paing it off your loan, keeping the repayments the same which results in reducing the term of the loan.

When we enquired about making a partial repayment, before we started this claim process, these were the options we were given.:beer: which would be even better, if you could afford to keep the repayments as they are

dialysis

busbyh wrote: »

I'm sure honey 2 was told they would send her a cheque. FSCS have instructed the Insurers as to the amount they have to pay back if the Insurance is cancelled.

think this is correct, but I am sure Honey 2 will be on later and will confirm:j:j

Thats how I understand it busbyh from what the fscs told me:T

beaniebabe

dialysis wrote: »

Hi hun well done so pleased for you didnt see you at the bank though:rotfl::rotfl::rotfl:

pleased for you too dialysis!:T:T:T
Hubby put cheque in bank so you may have seen him!:rotfl::rotfl::rotfl:
I have had a big wedge of chocolate cake!!!!:D

amersall

pinknico wrote: »

You are making perfect sense busbyh,I hope I win my claim and then can pay a bit off Picture and the rest off credit cards otherwise we will be stuck with these for a lot longer than our picture loan. We are able to afford our repayments on our loan though. But this would mean picture would be our only debt ( too scary to think about in case they reject our claim!)

pinknico you do worry too much:p:p be positive "when i get my cheque" not "hope i win " all front loaded ppi is a rip off i have every faith you will get yours fingers crossed xxx

amersall

busbyh wrote: »

Hi amersall, I agree with what you say about paying it back off the loan, but it all depends on the individuals personal circumstances.

You will ultimately pay a lot more back if you didn't pay it off the loan, which makes a lot of sense, to pay it off, but some people just need to look at their monthly outgoing in the short term and make things a little easier for themselves, rather than in the long term.

But I do agree with what you say if you are in a position to pay it off would be great, and bring down the monthly payments, or there is also the option of paing it off your loan, keeping the repayments the same which results in reducing the term of the loan.

When we enquired about making a partial repayment, before we started this claim process, these were the options we were given.:beer: which would be even better, if you could afford to keep the repayments as they are

thanks for that, i do understand what you are saying, its just the thought of all that interest to repay!!!! i am really pleased for everyones win and you all deserve it after the stress of it all, enjoy xxx

dialysis

beaniebabe wrote: »

pleased for you too dialysis!:T:T:T
Hubby put cheque in bank so you may have seen him!:rotfl::rotfl::rotfl:
I have had a big wedge of chocolate cake!!!!:D

Thanks hun been a long slog hasnt it? Yummy hope you enjoyed it I went to a coffe shop and had strawberry and white chocolate cheesecake OMG so good I would say its better than something but you know what i mean:rotfl::rotfl::rotfl:

busbyh

amersall wrote: »

thanks for that, i do understand what you are saying, its just the thought of all that interest to repay!!!! i am really pleased for everyones win and you all deserve it after the stress of it all, enjoy xxx

I do actually think it is the best thing to do; to pay it all back, the thought of all that interest makes me really:mad::mad::mad:

I think this is what marshallka has been saying all along, but as I say it's personal circumstances!!!!!