Wipeout Studio Catalogue Charges

never-in-doubt

RAS wrote: »

If so they have 12 working days plus 2 days (three weeks) to provide the CCA. It is however in dispute untl they produce it.

Its actually 12 + 2 days not working days (i.e. 2 weeks/14 days). The account formally goes into dispute, as you say, the moment they sign receipt of the CCA.

finshe

never-in-doubt wrote: »

You need to do a SAR (£10) (Template here: #6) which requests the last 6 years of statements. You then add them all up and request that amount plus ststutory interest.

You will not be able to claim back the interest paid on the overall balance (i.e. the PPI premium added to the overall debt creating a higher apr on the PPI element of the debt balance).

Thanks never-in-doubt,
I am now in a position to give them a total of what i need repaid as i have all the statements which cover the ppi period. Is statuory interest 8%.

finshe

tallyhoh wrote: »

Are you claimg working tax credit?

Hi tallyhoh,

Yes, why do you ask?

never-in-doubt

finshe wrote: »

Thanks never-in-doubt,
I am now in a position to give them a total of what i need repaid as i have all the statements which cover the ppi period. Is statuory interest 8%.

Use the calculator/format on here mate: http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

finshe

never-in-doubt wrote: »

What do you mean they took the £1 CCA Statutory Payment and used it towards the debt? They cannot do this! When you send the CCA Request it clearly states that they cannot use the funds for anything other than the CCA Request.



I'd be looking to send the following letter:

Yes i couldnt believe it, the postal order had written on the back the account number and cca request payment. I will definitely be sending that letter you posted :beer:.

tallyhoh

finshe wrote: »

Hi tallyhoh,

Yes, why do you ask?

Your income seemed low,are you getting the correct amount? Check

www.entitledto.co.uk

finshe

Hi tallyhoh,

Yes the amounts are correct, it's just that i'm starting up in business and things are a bit slow at the moment.

Sent the letter kindly posted by never-in-doubt, i await there responce.

finshe

never-in-doubt wrote: »

Its actually 12 + 2 days not working days (i.e. 2 weeks/14 days). The account formally goes into dispute, as you say, the moment they sign receipt of the CCA.

Hi never-in-doubt,

Are you 110% sure its as you have stated as i will need to put the date they defaulted in the cca default letter. Thanks i just dont want them getting of on a technicality(forgive my spelling:o).

never-in-doubt

finshe wrote: »

Hi never-in-doubt,

Are you 110% sure its as you have stated as i will need to put the date they defaulted in the cca default letter. Thanks i just dont want them getting of on a technicality(forgive my spelling:o).

Hiya - nope, i'm a million percent sure mate

I assume you're going to use the templates on my thread - which I amend and update (i.e. I know the processes - just inside out lol)

In fact, I done this letter for you to send or are we onto a different debt? #29 At this stage you'd send this letter and not the dispute cos they have used your cheque toward debt repayment....

However your account can be assumed to be in dispute - you don't have to spell it out to them.

finshe

never-in-doubt wrote: »

Hiya - nope, i'm a million percent sure mate

I assume you're going to use the templates on my thread - which I amend and update (i.e. I know the processes lol)

In fact, I done this letter for you to send or are we onto a different debt? #29 At this stage you'd send this letter and not the dispute cos they have used your cheque toward debt repayment....

Sorry never-in-doubt,
I never realised, so i dont need to send another dispute letter:j