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
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hi im new here and hope i have posted in right place, anyway going to try and get my PPI money back off these so nice people (lol). well where do i start, got all my paper work off them, for the 2 accounts i had. The problem i am having now is how do i know how much to apply back off them? the apr is at two different rates. The 2 accounts i had were where i had fallen ill and could not pay them so tried to claim on my ppi and was told i was not covered for my illness. As with most people i was missold the ppi.
hi im new here and hope i have posted in right place, anyway going to try and get my PPI money back off these so nice people (lol). well where do i start, got all my paper work off them, for the 2 accounts i had. The problem i am having now is how do i know how much to apply back off them? the apr is at two different rates. The 2 accounts i had were where i had fallen ill and could not pay them so tried to claim on my ppi and was told i was not covered for my illness. As with most people i was missold the ppi.
regards
woody
Is the PPI on both accounts now cancelled?
If it is make sure you have alterntative cover in case of accidents you can google and find much cheaper options but always check the exclusions on the policy documents or terms and conditions.
If you have the Consumer Credit Agreements have a look at them and see if the PPI is listed separately from the loan figure.
If it is and you know the monthly repayment amount on each of the loans
Just multiply the amount by the number of months you have paid the premium then submit a claim for repayment.
Just work out how much you have paid quote their APR and let them work out the figures.
If you were not entitled to claim due to the nature of the illness then you should have been informed that certain illnesses were not covered by the PPI at the time it was being added onto your loans.
there are spreadsheets and here is a link to help you work out your claim.
If you want to be sure then Pompeyfaith is ok on spreadsheets you could perhaps PM him, I am sure he will help if he can
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
hi thanx for your reply on the first loan i had the PPI amount added on at £688.53 on to the loan total with a scandels apr of 45.5% i paid this for 8 months then became ill fell behind for about 4 months then they re write the agreement with the total outstanding balance from the other loan less payments and set a new apr of 25.3% but over a longer period. this is were im getting confussed for example £688.53+45.5%APR=TOTAL but how do i work it out as the ppi would have still been carried over into the new re written loan.
welcome finance ppi help!!!!
money back off these so nice people (lol). well where do i start, got all my paper work off them, for the 2 accounts i had. The problem i am having now is how do i know how much to apply back off them? the apr is at two different rates. The 2 accounts i had were where i had fallen ill and could not pay them so tried to claim on my ppi and was told i was not covered for my illness. As with most people i was missold the ppi.
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