Thread: on a mission round 3

Hello everybody,

Just embarking on round 3 of mis-sold PPI.

This is with the Nasty West again.

I had 4 loans with them and ppi was applied to them all.

I have successfully reclaimed back the last of the loans 2001 and got back over £7,000 with just a bit of a fight, did not have to issue a N1.

They coughed it up when I discovered how the interest was applied. They charged me 8.9% each year for 10yrs, so it worked out at 89% of the premium. Disgusting unjust enrichment.

Anyway with that one in the bag, I have written to them for a Breakdown of the previous loans. I know how much the ppi premiums where. the loan amount and the dates, but not the interest rate and the total charged for credit. I have now asked for the information 4 times and in is now 69days and no information. Me thinks they don't want to give it to me. But that will not deter me.

This account is in clear legal dispute and I will not pay them until the ppi issue is resolved.

I have just received a letter from them regarding the small matter of no ca agreement and a alleged debt. They state their databases provide confirmation that I benefited financially from the arrangement of each loan. So their databases would also confirm that they benefited financially from [edit] me with their ppi. But still that information is not forthcoming.

They consider the matter closed as I agreed to settle in June regarding the mis-selling of ppi. Interesting the previous loans where never mentioned and how could I discuss any refund on those as I have not received the information on those. GGGGggggggrrrrrrrf

Anyway after their ignoring my requests I have been left with no option, but to work out the amount of interest they applied to the previous loans based on my previous experience 89% of the premium. We will see what the respond with after they have stopped choking.

The calculations I have worked out on that basis, and of course contractual interest to date comes to a staggering £18,000

So wish me luck

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Hello,

Thanks for the support, I do believe this will be the fight of all fights. There are a lot more issues than the PPI. eek

Thank you,

First letter round 3 going today, discussing issues. I will give them a week and then bang they get the letter asking for a refund for the others.

Hiya Pindagolf,

It always interest me in why fellow caggers choose their usernames. May I ask why use choose that one.

I choose Hellhasnofury because that is how they make me feel. I have turned from a soft choice into wrath. I will fight to the bitter end either way. I can see me at this laptop as a little old lady, still fight the cause.

Originally Posted by Maggiebroom

Hi hell

I owe you an apology as I have not got round to your thread before now.
However good luck with your fight with Snatch West. We know how unforgiving they are don't we?
They are now passing mine over to Triton Credit Services whilst in dispute too.

How far down the line are you at the moment?

maggiebroom

Hello Maggie,

No apoligy needed I know how busy you are and the trouble you are having. It does not do the blood pressure any good.

I am not very far down the road with this one as yet. I have been waiting for a Breakdown of the loans for about two months, and they are not forthcoming with this information. I wrote to them last week regarding other issues, no ca, default issues. So my prelim will go out on Monday

Hello,

Well I never, I truely can't believe it, they are still ignoring me. Me thinks they see my name and throw it straight in the bin

So sent the prelim today So the process has started, so I will give them the 14days to respond, and then another 14days and ouch, have to rumage up the dosh for a court claim.

I do wish they would take me to court, so I could defend and then put in a counter claim. That would be more cost effective.

Hello,

Received the nice polite letter from the snatch west yesterday.

They consider the PPI issue was resolved in June this year, as per their previous correspondence, Good job I have keep it all then Will send them copies of their offer and my acceptance of the settlement for their reference. I only asked for a refund of the last loan, I could not ask for the other three ppi's as they will not give me the information I asked for and they have still not come up with it.

Of course there is more issues than this. Default. They defaulted me in may this year after I reclaimed back the ppi . In a letter in September they stated that the default action had been postponed??????? Yeah right Hello!!!!! So of course I challenged this.

In there latest letter. That they are obligated to enter all defaulted credit agreements to the credit agencies. There is no Credit Agreement so they cannot default me on nothing. Idiots!!!!

Latest letter states now recovery action has been postponed, so they have eventually caught up then Me thinks they are trying to intimidate me.

They have now in their correspondence dicussed the notion of me giving them my Solicitors details. ??????????. They will co-operate fully with them and look forward to hearing from them.

Well I knew this was going to be a bit fight, but I did not realise how much of a fight and to top it all they are trying to cover up, cloud the simple issues and totally contradict them themselves. I am one step ahead though.

Originally Posted by gt568

Sorry could you just clarify something. Are you saying that after succesfully reclaiming your PPI they defaulted you on your loan? Am I missing something? I'm trying to reclaim on a loan that I'm still repaying, is there a danger of them defaulting me?

Hello GT,

No they will not default you if your are still paying. My issue with them is after they [edit] me blind with ppi, I could not afford to make the repayments. This was 14months ago and I was paying them through a dmp. They never defaulted me during this time. They did it when I got back my ppi on the last loan (with a bit of a fight). Its as if they had to have the last word. But I will. of course.