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

busbyh · 25 October 2009 at 11:03PM

Will have to say goodnight now folks, bed is calling, up early tomorrow.

Lets hope the postman is kind to us tomorrow;):D

di3004 · 25 October 2009 at 11:05PM

busbyh wrote: »

Will have to say goodnight now folks, bed is calling, up early tomorrow.

Lets hope the postman is kind to us tomorrow;):D

Night hunni, hubby watching the creepy freaky film "The Ring":eek: lol, and its distracting me......:mad:.
Sleep well hun and fingers crossed for us all tomorrow......:beer:.
Sweet dreams. :AXXX

busbyh · 25 October 2009 at 11:06PM

di3004 wrote: »

That 8 page booklet is probably the one then.;)
Are the insurers contact details on them as well?

Yes they are di, names and I think there is an address. Though no telephone contact.

Also, the email I sent regarding our Insurance has been returned, will have to find another one.

I will write to them also, just wasn't to sure when they would get it with the post strike.
I think the contact address is for complaints.
Will check again tomorrow

NEWTONCHANG · 25 October 2009 at 11:11PM

busbyh wrote: »

Will have to say goodnight now folks, bed is calling, up early tomorrow.

Lets hope the postman is kind to us tomorrow;):D

nyt nyt xx

di3004 · 25 October 2009 at 11:30PM

On these (twopart ltd) lender Nemo's terms & conds in regards of early repayment.

4.1/ If you wish to discharge your obligations under this Agreement you may do so at Any time by paying US a sum, the Early Redemption Figure is calculated in Accordance with clause 4.2 below, plus a Security release Fee of Discharge Fee as published in our customer fee struture.

4.2/ If you settle before the end of the 36th month after the making of the loan, the Early Redemption Figure will be the sum of the balance of the Total loan including all charges and arrears due if any.
Plus interest up to the date of settlement, plus an amount equal to 6 months interest (at the rate in force at the date of settlement) charged on the total loan.
If you settle the loan in month 37 the Early Redemption Figure will be the sum of the balance of the total loan (including all charges and arrears due, if any) plus interest up to the date of settlement, plus an amount equal to 5 months interest ((at the rate of settlement) charged on the total loan.
Thereafter for each additional complete year the loan is in place prior to settlement, the amount of interest added to the balance plus interest up to the date of settlement will reduce by one month from five months until the loan has been in place for 8 years after which the Early Redemption Figure will be the balance (including all charges and arrears due, if any) plus interest up to the date of settlement.

Payment Protection Insurance:

6.1 If you have selected the Nemo Personal Finance Limited Payment Protection Insurance Plan, you authorise us to pay the insurers the cash price if the insurance and add this sum to the loan.

6.2 You will receive the benefits of the selected Payment Protection Plan and details and limitations of which you acknowledge having received before signing this agreement.

6.3 Any payments made by the Insurers, under the Terms of the Payment Protection Plan except for any cashback bonus will be paid direct to US and used by US to reduce any balance outstanding on Your Account.
Any payments due under this cashback scheme or following any early loan settlement (see summary of cover enclosed) which you keep will be made direct to you.

NEWTONCHANG · 25 October 2009 at 11:38PM

im off to bed now guys catch up tomorrow fingers crossed for everyone nyt nyt xx

di3004 · 25 October 2009 at 11:47PM

NEWTONCHANG wrote: »

im off to bed now guys catch up tomorrow fingers crossed for everyone nyt nyt xx

Night hun, come back tomorrow.......:D
Sweet dreams and good luck to you as well.:A;)xxx

di3004 · 26 October 2009 at 12:03AM

Also found the info the link to Nemo from my above post.
http://www.nemo-loans.co.uk/loans/terms2.php

di3004 · 26 October 2009 at 12:12AM

Good luck to everyone still waiting for news for this coming week.:beer:

amersall · 26 October 2009 at 10:32AM

with reference to interest rate, take a look at fp complaints website, it seems fp do this and the members of this site are doing battle over this. there is a petition on the downing street website about the interest rates of secured debt companys and it has over 500 sig, so the government has to respond to this. you all on here may find it useful, if you have ongoing loans and may take a few ideas from fp site to complain about your interest rates. just a thought for you all. and it will help everyone to stop this unfair rate rise