PPI Reclaiming successes and failures

Rae115

tifosi wrote: »

(Black Horse)




Rae,

would think you would have a hard job here without any proof of the PPI being added

However, can you post up the loan details? that way we can work out roughly whether or not PPI was added

So -


Original amount lended
APR % stated on agreement
Number of repayments
Amount of monthly payment £

?

this is what it says
KEY FINANCIAL INFORMATION
amount of credit (c-d)
a- £5649
duration of agreement 48 months
B - 10023.55
one rpayment of £169.00 payable then monthly of 165.65 final £284.65
apr 20.2%

OTHER FINANCIAL INFORMATION
C 759900
D-1950 (mine deposit)
1.hire purchase charge £2136.55
2.CREDIT FACILITY £169
3.CRDIT FACILITY FEE 109.00
4.PURCHASE FEE £10.00

TOTAL CHARGES 1+2+3+4 £2424.55
INTEREST 16.31%

I HOPE THIS MAKES SENSE - MY MONTHLY PAYMENT WERE 165.65

RAE.

offcumden

redian123 wrote: »

offcumden
E-mailed them re PPI Query 14.12
Response received 14.18
After reading your e-mail, I have arranged for a manager from our PPI Team to investigate your complaint and, to ensure that you get a full response. I have asked for a copy of the response so I can be sure that we've handled your complaint correctly. :T:T:rotfl:,Hi i went through the same channels,if they give you a time frame make sure they stick to it,i hounded them and my claim got settled within 3weeks of receiving the same response as you,good luck.:beer:

Thanks for that imput don't think it will be that quick though they have to go back 30 Thirty years :eek::eek:

redian123

Thanks for that imput don't think it will be that quick though they have to go back 30 Thirty years :eek::eek:


Think of the interest,it"ll be mahoosive.:rotfl::rotfl::rotfl:

Kingerem1

Sounds like it may be a good idea to hassle them with an email too then just make sure they don't 'forget' you?!!

Does anyone know who I should email at Egg at all???

The_Marksman

Kingerem1 wrote: »

Sounds like it may be a good idea to hassle them with an email too then just make sure they don't 'forget' you?!!

Does anyone know who I should email at Egg at all???

the only email i have for egg is:

cro.support@egg.com

tifosi

Rae115 wrote: »

this is what it says
KEY FINANCIAL INFORMATION
amount of credit (c-d)
a- £5649
duration of agreement 48 months
B - 10023.55
one rpayment of £169.00 payable then monthly of 165.65 final £284.65
apr 20.2%

OTHER FINANCIAL INFORMATION
C 759900
D-1950 (mine deposit)
1.hire purchase charge £2136.55
2.CREDIT FACILITY £169
3.CRDIT FACILITY FEE 109.00
4.PURCHASE FEE £10.00

TOTAL CHARGES 1+2+3+4 £2424.55
INTEREST 16.31%

I HOPE THIS MAKES SENSE - MY MONTHLY PAYMENT WERE 165.65

RAE.

Hi Rae


I'm afraid to say it doesnt sound like you had PPI

Looking at the basics:

- After the deposit you borrowed £5649
- They charged you £2136 in interest

The total of the above = £7785

48 x 165.65 = £7951.20

So if you deduct the £169 and £109 credit facility charges, that comes out about bang on

Interest of £2136 on £5649 over 48 months does sound like around 20.2%

So unless someone else on here knows different, I'd be inclined to not bother pursuing this one, sorry

amersall

WELL DONE TO ALL WINNERS TODAY :money::money::money::money:

B

ellmae

Just had a letter from santandar regarding an old debenhams account . Sending me a cheque for £721 , happy days
Still waiting on welcome finance and aviva though.
As anyone won ppi back from aviva ?

amersall

ellmae wrote: »

Just had a letter from santandar regarding an old debenhams account . Sending me a cheque for £721 , happy days
Still waiting on welcome finance and aviva though.
As anyone won ppi back from aviva ?

Well done to you :j:j:beer:
Dont know about AVIVA,but someone else might.

BlythBoy

ellmae wrote: »

Just had a letter from santandar regarding an old debenhams account . Sending me a cheque for £721 , happy days
Still waiting on welcome finance and aviva though.
As anyone won ppi back from aviva ?

Well done on your win against Debenhams:D

There are quite a few of us on here who are having major problems trying to get a response from Santander / GE Money or the underwriter of the insurance. Do you mind me asking if your card was taken out pre 2005 when Santander came under the FOS?
Mine was taken out in Feb 2002, never wanted it and it's now with the FOS who are chasing Finance Insurance Company Ltd. a part of Genworth Finance.

Well done again:D