how to work out refund

katie1

marshallka wrote: »

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).

I don't have all those details just the details i put above and the amount I borrorwed . I always paid a loan off and borrowed more as a consolidation.so i dont think i would have had a rebate would i ??

I will have to take there word for it then when they make a offer .

thankyou for your help .

marshallka

katie1 wrote: »

I don't have all those details just the details i put above and the amount I borrorwed . I always paid a loan off and borrowed more as a consolidation.so i dont think i would have had a rebate would i ??

I will have to take there word for it then when they make a offer .

thankyou for your help .

Hi, didn't you have the information when you passed it over to Loancheck and have they not given it all back as they cannot progress it?

katie1

I must have had the information but i guess loanchecker haven't given me it all back . I sent them all the paperwork from a sarn i requested and it was loads of paperwork.
How do i get that back now?? I dont have any contact numbers to even ring and ask for it back.

marshallka

katie1 wrote: »

I must have had the information but i guess loanchecker haven't given me it all back . I sent them all the paperwork from a sarn i requested and it was loads of paperwork.
How do i get that back now?? I dont have any contact numbers to even ring and ask for it back.

Who was the firm loancheckers? Why did they not carry it on for you?

katie1

First my case went to dawson hart solicitors through loanchecker after about 18 months they said they couldnt go any further with claim , then i was adviced to carry on and peter (who is usually on this site ) passed my details to heenans solicitors. They sent me a letter recently to say they was ceasing trading.

katie1

I rang Blackhorse up today because the letters they said i should have got saturday still haven't arrived , it turns out they have sent it to the wrong address . They have sent it to my old address (I havent lived there for 5 years ). I asked how did they manage that as they got my address right for 2 letters . They said they have to write to address thats on the aggrement ( load of rubbish ) . Anyway they told me they have offered on some accounts pro rata payment back and on others full refund pluss 8% .
Can anyone explain the pro rata to me please ??? am i being ripped off should i ask for full refund plus 8% on all ???

maxdp

What they are saying is that you are going to get a proportion of some of these back. So if for instance you were paying 100.00 over 10 months that is 10.00 per month. If they then pay back 5 months which would be 50.00 that would be pro rata.