how to work out refund

katie1

I wondered if you clever people could help me work out how much I should be refunded from the following accounts, i will try to give you as much details as possible.
I believe I should add intrest but thats where I get lost .

Account 1
Dates drawndown : 26/03/1999
Date borring repaid :20/05/2000
Borrowing term yrs
intrest rate fixed monthly 2.84% (APR 39.9%)

Payment protection : single premium £405.25


Account 2
Date drawndown : 24/5/1999
Date borrowing repaid : 20/05/2000
borrowing term : 4 yrs
intrest rate fixed monthly 2.4%(APR 32.9%)

payment protection: single premium £929.72

Account 3
Date drawndown : 19/05/2000
Date borrowing repaid : 14/09/2000
Borrowing term : 3 yrs
intrestrate : fixed monthly 2.4% (APR32.9%)

payment protection : single premium £565.24

Account 4
Dates drawndown :14/09/2000
Date borrowing repaid: 13/02/2001
Borrowing term : 4 yrs
intrest rate: fixed monthly 1.45%(18.9%)

payment protection : single premium £1100.72

Account 5
Date drawndown:12/02/2001
Dates borrowing repaid: 13/03/2003
Borrowing terms : 5 yrs 11 months
intrest rate: fixed monthly 1.38% (APR 17.9%)
payment protection : single £2969.80

Account 6
Date drawndown: 07/05/2004
Date borrowing repaid:12/05/2004
Borrowing terms: 2 yrs
intrest rate : fixed monthly 2.33% (APR 31.9%)

payment protection : single premium £1,209.66

Account 7
Dates drawndown :10/05/2004
Date borrowing repaid :21/04/2005
Borrowing term 5 yrs
intrest rate : fixed monthly 1.164% (APR14.9%)

payment protection : single premium £2090.08

Account 8
Date drawndown : 21/4/2005
Date borrowing repaid: 3/08/2006
Borrowing term 10 yrs
intrest rate : fixed monthly 0.886% (APR10.9%)

payment protection :single payment £3464.02

katie1

can anyone help me ???

Dave101t

why should you be refunded anything? if you mean the misselling of ppi, that has to be proved first.

maxdp

katie1 wrote: »

can anyone help me ???

Marshallka is good at working these out. Perhaps check back later katie.

di3004

Hi Katie, these are the ones you were recently successful with wasn't you hun?;)

I am hopeless at calcs but as Maxdp said Marshallka is good at this sort of thing, and Tiggrae, maybe they will be around later on, or anyone available this evening that have not been here today will be able to help.
Good luck and well done on your success as well.:beer:

katie1

Dave101t wrote: »

why should you be refunded anything? if you mean the misselling of ppi, that has to be proved first.

Dave yes i do mean ppi misselling i have had a letter today offering a gesture of goodwill to one account and was told over the phone i have more letters in the post regarding my other accounts . I wanted to get the figures right so i dont get swizzed but i am rubbish at this sort of thing. i can add up but when it come to % i haven't got a clue :rotfl:

marshallka

katie1 wrote: »

Dave yes i do mean ppi misselling i have had a letter today offering a gesture of goodwill to one account and was told over the phone i have more letters in the post regarding my other accounts . I wanted to get the figures right so i dont get swizzed but i am rubbish at this sort of thing. i can add up but when it come to % i haven't got a clue :rotfl:

Which "one" account have you been offered the "goodwill" on:eek:. Also could not work out without breakdown of settlement figures either.

katie1

The first one on my list although they say in the letter the insurance premium is £414.12 which isnt the figure i have but at least its more and not less .I got my figures from Loancheckers audit report they returned to me when they couldn't help any longer .

marshallka

katie1 wrote: »

The first one on my list although they say in the letter the insurance premium is £414.12 which isnt the figure i have but at least its more and not less .I got my figures from Loancheckers audit report they returned to me when they couldn't help any longer .

You would need to post all the figures from the agreement and also the breakdown from the settlement figure and is this just PPI you were reclaiming? I could not work off the above but maybe someone from the Loancheck firm who knows how the system works would be able to help.

katie1

marshallka wrote: »

You would need to post all the figures from the agreement and also the breakdown from the settlement figure and is this just PPI you were reclaiming? I could not work off the above but maybe someone from the Loancheck firm who knows how the system works would be able to help.

yes marshallka it was ppi i was claimimg with the 8% intrest what information would you need then to help me ??

marshallka

katie1 wrote: »

yes marshallka it was ppi i was claimimg with the 8% intrest what information would you need then to help me ??

The whole details off the agreement and also the breakdown in the settlement figure (as regards if you got a rebate against the insurance if you settled early and also what regs were used at settlement).