Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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London
NW11 7PE
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  1. 29th August 2008 12:28 #1
    tiger33 tiger33 is offline
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    Default help needed in figure to claim back

    loan taken out 2-12-01 @ 8.4%


    amount interesticon monthly months total payable
    loan £15000 £3304 £305 60 £18304
    PPIicon £2556 £563 £51 60 £3119 (made 33 payments)
    total £17556 £3868 £357 £21424

    settlement figure £9997
    insurance rebate £490
    interest rebate £1741
    outsiding £8765

    second loan taken out to pay first one
    loan taken out 9-9-04 @ 7.9%


    amount interest monthly payments total payable
    loan £20000 £4139 £402 60 £24139
    ppi £3959 £819 £79 60 £4779 (made 11 payments)
    total £23959 £4959 £481 £28919

    i,ve ran this through the ppi calculator and i.am getting a bit confused so could someome please point me in the right direction.thanks

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  2. 29th August 2008 12:59 #2
    Fred_Funk Fred_Funk is offline
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    Default Re: help needed in figure to claim back

    Assuming you're claiming the PPIicon was mis-sold then, IMO, this is what you should be asking for...

    (1) The return of the mis-sold PPI from the first loan, ie 33 x £51 = £1,683 from which you need to deduct the £490 they have given you leaving £1,193.

    (2) With the second loan, you want back the 11 x £79 payments you have made, equating to £869.

    Does that seem to make some sense?! ;-)

    Fred_Funk

    NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE