PPI Reclaiming discussion Part II

TwinsMum_2

Laini wrote: »

Thankx Mcolak
I will dig them out

Laini xx
just got made redundant today so head is a bit messed up so it will be tomorrow when I can do it.:eek:

Oh what a pigger just what you need eh, sorry to hear about your situation thats harsh we have to cope with whatever life throws at us trouble is it all happens at the worst possible time. Chin up head high and keep on going.
I managed to get FirstPlus to cough up quicker by emailing the MD once I did that and kept at him I did manage to get it quicker just to get rid of me I think lol.

marshallka

Laini wrote: »

Thankx Mcolak
I will dig them out

Laini xx
just got made redundant today so head is a bit messed up so it will be tomorrow when I can do it.:eek:

Sorry to hear that too. Was it expected or out of the blue??. You really need a big pay out now. Good luck.

sparky0107

Laini,
Sorry to hear your news kid, hope you get your payout soon and find yourself a better job. Good Luck hun

sarahc5388

Laini, Sorry to hear that, how long had you worked for them?

sarahc5388

TwinsMum wrote: »

Well not strictly PPI claim couldn't get that back but I sent them a letter last week regarding the late payment fee of £20.00 that they slap on you. Got letter today they have paid my account off £118.00 and sent me vouchers for £125.00 to make up the £240.00 that I was claiming. OK I have to use the vouchers with them but better than a kick up the backside trouble is nothing really I want from them could I insist on the money or should I look alittle harder to use the vouchers with them this all only took a week, they stated that they are reviewing their charges due to the OFT ruling so that is good, they admitted no fault it was a good will gesture. Can't be bad eh for 1 stamp and 9 days to give it me all back.:j

OOOh, I paid mine 2 days late cos I was on leave and they charged me £20, I don't actually owe them anything, do they charge PPI? Maybe I will will write/e-mail them.

Laini

sarahc5388 wrote: »

Laini, Sorry to hear that, how long had you worked for them?

thanks everyone for all your kind words
we got told on monday there were going to be redundancies, tuesday I was told it was between me and my colleague then yesterday at 4pm i drew the short straw.
only been there 2 1/2 years but loved it - its just cos of the credit crunch and the housing market I am (was) an interior designer for a builder/developer so saw it coming but its still a shock.
so I have more time now to chase more complaints - so watch this space

Laini xx:j

m.colak

Laini wrote: »

Thankx Mcolak
I will dig them out

Laini xx
just got made redundant today so head is a bit messed up so it will be tomorrow when I can do it.:eek:

Good morning All

Laini can you confirm that this isn't actually a mortgage? Or if it is can you tell me your original fixed rate and then what variable rate it changed too. As at the moment looking at the calculations you were either paying 8.5% (fixed) interest at the start and it went up to 11.75% (variable) or thereabouts at the end. And sorry to bother you so early what term length was the mortgage over?

Laini

m.colak wrote: »

Good morning All

Laini can you confirm that this isn't actually a mortgage? Or if it is can you tell me your original fixed rate and then what variable rate it changed too. As at the moment looking at the calculations you were either paying 8.5% (fixed) interest at the start and it went up to 11.75% (variable) or thereabouts at the end. And sorry to bother you so early what term length was the mortgage over?

Hi M
It was a secured loan over 300mths
8.9apr variable
then on another section below the key financial
8.592% this rate is charged on outstanding balance calculated daily from the date the loans are made until repaid in full debited monthly arrears

hope this makes sense
Laini xxx

m.colak

Laini wrote: »

Hi M
It was a secured loan over 300mths
8.9apr variable
then on another section below the key financial
8.592% this rate is charged on outstanding balance calculated daily from the date the loans are made until repaid in full debited monthly arrears

hope this makes sense
Laini xxx

Its starting too. Anychance you know what your payments stepped up by each time?

Laini

m.colak wrote: »

Its starting too. Anychance you know what your payments stepped up by each time?

Going to dig out bank statements this morning so will post up as soon as I can
thanks again