Jump to content

Dons2008

Registered Users

Change your profile picture
  • Posts

    104
  • Joined

  • Last visited

Reputation

6 Neutral

1 Follower

  1. Brilliant, thank you ims. You're right. I just want to get this sorted now! Thanks again
  2. brilliant thank you. So, to clarify - as my brain is fried with this (I don't know how you all deal with this day in day out btw!!) I have to calculate PPI due to me by the amount of premiums paid, not the whole premium as added to the loan.. my hub & I were thinking take the loan amount then divide as per his working above. I was thinking I calculated 8% of the 993.00 then added that to the 993.00. What a wally.
  3. Cheers ims They cannot offset though can they? as they've sold the debt on - to MKRR. The way I see it, its money I didnt expect to receive so even £20 is a bonus!
  4. Cool, reading back, so you did. Thank you. I dont have statements, from memory I made 5 payments til default - June til the November I think it was. I remember it being right on top of Christmas. Go for a SAR? I doubt they'd have any info, even. Thank you
  5. I have: loan - 1500 in 2005 PPI - 993.40 (composed of 602.45 PPI, 390.95 int APR 45.9%) He used the PPI amount and made a calculation as here: stat 8 1500*1.1 = 1650 1650*1.1 = 1815 year 2 1815 * 1.1 = 1996.5 year 3 1996 * 1.1 = 2196 Year 4 2196 * 1.1 = 2415 Year 5 2415 *1.1 = 2637 year 6 2637 * 1.1 = 2923 Year 7 2923 * 1.1 = 3215 Year 8 Then, add the daily 8% from claim to court date. Is this wrong, am I looking to receive more, or less? @Brig - I'm holding that thought for a minute mate!
  6. Shall I send you the calculation my hub did for me?
  7. Aye June 2005. The number given in the FCSC thread above the forum is answered with the words "Welcome Finance customer relations team, good afternoon/morning" The docs were required to be sent direct to Welcome themselves at Harlow....
  8. cheers Brig. I hope its speedy though, but I have no right to want for too much - a couple of weeks a go I was stressed by the letters and texts coming and now the CR file is going to look spick & span again plus a possible bit of cash! Shouldnt be getting all princessy about it (but I really cannot wait to see!)
  9. Hi guys Re the removal of the recent dated default notice from my CR file by MKRR Stewed for about 4hrs over this yesterday whilst reading all the PPI threads here and after sending a chase question on Equifax. Anyway - logged in just now to Equifax's 'ask a question' portal and found a reply.... The default has been clarified by WFS to its original date and will be removed in this month's file submission. Copy & Paste of the message below as the screenshot won't upload here... "Response Administrator 17/06/2014 09.57 AM Hello *****I am unable to open the attachments***** I can confirm that the defaulted account is due to be removed via our June file submission (The file was sent on 16/6/2014) Welcome Finance provided MKDP LLP of the default date when we purchased this account from them in April 2014 We have contacted the original creditors to clarify the correct default date. Regards Shirley" A huge thank you for the advice given, and the template which I used to send them the letter. I need to get my PPI claim sorted and then I can make a nice donation to you guys as a thank you. Update on the PPI with Welcome finance: Wrote off last Thursday with proof of ID, res, marriage and Saturday morning received docs back by recorded delivery and a standard note saying "thanks for the info we'll be in touch" No PPI claim form. Called up yesterday after post had been (nothing from them) they checked my info said the new data should've been uploaded by Friday of this week, check back then. I've mentally given them another week to respond with Claim form then I'm completing the FOS questionnaire. Mind you, they were dead speedy so far with returning my ID and docs so maybe they'll be easy to deal with throughout? Does anyone have any rough idea of the timeframe in which they settle claims? Some people have been paid out in 4 weeks of contact, others have waited 8 weeks, bear in mind I have the original PPI doc and CCA to hand, with the "Did you choose PPI?" box unticked - this puts me at an advantage, right? My claim figure is roughly £3215 based on the Int. rate calculated by my husband - which was £993.00 PPI; and the interest compounded since 2005. I hope I'm looking at a nice sum in total (maybe enough for a nice week away and a treat for the kids) Time to sit and wait... How is everyone else getting on? HackedOff, anything happening on your CR file? Heard anything from them recently?
  10. Morning Called FCSC (WF cust rels team) they want me to send marriage cert, new passport, driving licence & proof of res in before they'll send me a claim form. I havent changed my ID over since marrying, not been out of the country nor needed to produce licence. would they accept ID in Maiden name? Thanks in adv
  11. I think dx will clarify the same HackedOff. Good on you for screenshotting that - make plenty of hard copies LOL Restart that claim. Thats your money in their back account, right there. Ask for full disclosure too and say you wont accept any communications without it. I think I may've seen somewhere something that says they need to give full breakdown these days of it (subject to clarification - I've read so much stuff the last few days I'm blind by it all right now LOL)
  12. I'd say do it HackedOff. You're in an advantageous position having all the paperwork to hand and before a court, you'd have the favourable view (IMHO) From what has been said to me above by dx about the debt being sold on (if that's happened in your case by scotcall acting as their DCA here) you can claim your PPI (please confirm) I'd say stick a claim in now, and keep an eye on that CR file up to and in November and go all guns blazing for the £ back. Thanks dx for that clarification above re once the default is gone - I need Equifax to join hands with me and tell them that's the case if they come back and try sticking it to the more recent default date.
  13. Hi brigadier Yes it was defaulted in or around the November of 2005 - so I believe it to be SB'd in November of 2011 - WF was on my equifax as default in 05 then it dropped off (and I was relieved to see that!) No CCJ or anything on my file - and correct me if I'm wrong but wouldn't Equifax step in and say "hold on, we have a record of the original default you placed for this a/c, now bog off"?
  14. Fankoo dx yes, HackedOff. How long til your debt goes SB? have you any original docs? I was so lucky to find my original PPI paperwork too, randomly in a box of old papers last week. Time to get busy claiming and typing and numbercrunching I think.
  15. Hi dx Thats' helpful, thank you With regard to calculating the interest, would I use: Amount of PPI / 100 x 8 or Amount of PPI / 100 x 8 then x amount of years since the date the PPI was sold to me?
×
×
  • Create New...