PPI Reclaiming discussion Part II

niemowle

m.colak wrote: »

Its a shame i can't insert this printout for you but will give you the hard copy now:

Loan Amount: £2000.00 Loan Interest: £1016.00
PPI Amount: £517.61 PPI Interest: £262.99

First Payment: 28/11/05
Last Payment: 26/01/07

Total Paid to Date: £822.77 Settled Figure: £1814.72
Amount Remaining: £1159.91
PPI Rebate: £405.46
Loan Interest Rebate: £796.49 PPI Interest Rebate: £206.01
Amount Overpaid £248.05

PPI Reclaim Report
Number of Payments Made: 13
Amount of PPI Paid: £112.15
Amount of PPI Interest Paid: £56.98
8% Interest On PPI: £27.06
Total PPI Reclaim: £196.19

Point to note although you had overpaid by £248.05 the courts might find this as an acceptable administration fee.

Thank you so much m.colak i knew i could count on you, i really appreciate it!!! niemowle

m.colak

niemowle wrote: »

Thank you so much m.colak i knew i could count on you, i really appreciate it!!! niemowle

No probs am off to bed now. Goodnight everyone. If anybody has any questions will look at them tomorrow and see if i know anything that could help.:wave:

Kaia_2

Quote:
Originally Posted by sarahc5388
thanks to m.colak and tiggrae,

i think they told me i needed this to get the loan - even though i'm in the forces and get paid 24/7, 365 days a year whether i'm at work (spent 3 months in hospital and 3 months at home and still got paid full wages) or not, martins template is coming off the printer as we speak and will be in the post recorded delivery tomorrow - thanks for all you help - will let you know how i get on - fingers crossed and wish me luck - and good luck to everyone else:T
Quote: mcolak
Hi sarah am in the same boat which is why i am reclaiming every penny off these gits.

Quote:
Originally Posted by sarahc5388
oh my god! the people born without fathers!!! god i want to swear really badly - and send the boys round

.....And thats why Marshallka, Marluc and Myself are chasing the barstewards from Freedom Finance :wave: nite all xxx

Kaia_2

Freedom have 4 days left to reply
(My claim was issued on 10th May)
.......so expecting a defence through the post any time now.....

gamekeeperturnedpoacher

Hi Homer, yes I make you right however, my response was based on how much time there was to go and that a lawyer could action quickly if necessary. I think your idea of a 'help pack' for these cases is a great idea!! I am certainly not the most experienced with court proceedings hence I too would be grateful for any assistance in that arena

homer_j wrote: »

There is absolutely no need to pay anybody to make these claims or look at them.

I have had a PM from Martin yesterday evening stating that its on his "Things To Do" list and it may be a week or two before he can comeback to me.

I would like to assure people that I am on here to try and get you all more help and give you what you are all legally entitled. to.

I am hoping to put a thread together with all the information in one place so watch this space.

gamekeeperturnedpoacher

Hi have not the will to type any more so here is a bit out of a letter I sent to Virgin Media for something else I was dealing with for myself and my mum..

'As stated above, under the Data Protection Act 1998, 7(1) ‘Subject Access Request’ I require to see all of your system notes from my mothers account and my account and I require this information from May 2007. If you do not handle these requests for your organisation, please pass a copy of this letter on to your Data Protection Officer or, another appropriate Officer within your company. I understand that there may be a cost to me for you to supply this information which I recall is up to £10.00. Please note, my mother has signed an authority below allowing you to release the data you hold about her to me. Your data controller has no more than 40 days to comply with this request'

tiggrae wrote: »

CCA ? Consumer Credit Agreement ? all you need to do is write and request a SAR Subject Access Request, you'll probably find a template on the Bank Charges forum

marshallka

Kaia wrote: »

Freedom have 4 days left to reply
(My claim was issued on 10th May)
.......so expecting a defence through the post any time now.....

What happens after the 4 days are up Kaia. What did you actually send them. Is it going to court after.

m.colak

marshallka wrote: »

What happens after the 4 days are up Kaia. What did you actually send them. Is it going to court after.

No what Kaia has is an ongoing court action where the company are failing to respond or acknowledge the case. As the company has received the documentation then it is assumed that they don't wish to defend the case. Kaia if you are reading this then don't (i repeat don't) apply for a judgement by default until at least the 31st May (3 weeks) as then it will seem that you have given them more than adequate time to respond and the Judge will rarely let them get the judgement stayed if they have had 3 weeks previous to this.

marshallka

m.colak wrote: »

No what Kaia has is an ongoing court action where the company are failing to respond or acknowledge the case. As the company has received the documentation then it is assumed that they don't wish to defend the case. Kaia if you are reading this then don't (i repeat don't) apply for a judgement by default until at least the 31st May (3 weeks) as then it will seem that you have given them more than adequate time to respond and the Judge will rarely let them get the judgement stayed if they have had 3 weeks previous to this.

So if they are not defending the case and after 31st may what happens then. Do they HAVE to pay up by law.

m.colak

marshallka wrote: »

So if they are not defending the case and after 31st may what happens then. Do they HAVE to pay up by law.

Well once they have passed all the deadlines, ie the 31st of the month, you can apply to get a judgement by default. The court will then file a judgement against the defendant(non-defendant) and they will be informed of when they have to pay the debt by. If they don't pay then the court will issue a warrant for the removal of goods to the said amount etc.