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After sending a SAR to Robinson Way for my loan account
Have realised that i had PPI added , the signiture box has
not been ticked and i have not signed in the consent box
The details are
amount of credit £8000.00
total amount payable £8790.26
36months APR 6.4
instalments each of £244.17
ppi
amount of credit £1348.75
total amount payable £1481.98
36 months interest @ 6.40%
instalments of each £41.17
Rob/way are calling every day now and sending court
action letters so i need to kick them where it hurts quickly
has anyone got any advice as to how much is owed first payment
was 22.11.05
Do I just write and explain that i didnt realise about the PPI and that
i need it back as i clearly didnt ask for it .
have read around the PPI just need a bit of a push
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,063
Re: Capone /Robway ppi
fire off the telephone harressment letter to RW
and the use the PPI calc to hit cap1 with a ppi claim.
once thats done, the a/c will be in dispute and it should be passed back to cap1 automatically if rw have not brought the debt.
if rw are involved you must have charges too, how about getting them back from cap1 also.
dont forget on both counts to charge interest at their rate , then add 8% stat int .
looks like you might be in for a pretty penny, might even clear the debt all together
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Thanks for your advice , I have tried using the PPI calc but cant
seem to work it out must be the heat
Do i send this to R/W as they have bought the debt
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Sorry to butt in but could somebody give me a link to PPI calculator and good luck with your claim. Dont let them of with a penny, they dont let you off.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
DX if you insist on offering advice to posters then you should also follow up the advice to back up what you are posting. It is not just a case of giving initial advice then passing the buck. If you give advice then you should be prepared to follow it through with a backup and not just to offer a bump.
aa
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.
PPI
amount of credit £1348.75
total amount payable £1481.98
36 months interest @ 6.40%
instalments of each £41.17
This is what you want to reclaim however as your account has been passed on to a DCA it is important that you supply the information as to when it was transferred to RW the dca. You state the loan was for 36 months and the first payment was on 22.11.05 and that the PPI element was £41.17 per month.
As the account is now with RW did you in fact pay the full 36 months and if not how many months of PPI did you pay before the account was passed on to RW?
The more information you can provide the better support will be coming your way.
aa
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.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
I paid a total of 25 months 1st Payment date 22/12/05 last payment
made 22/12/07, from the SAR it says 23/05/08 Default issued remaining
LPI removed to leave balance ofxxxxx
I have added up again from the SAR that i have paid a Total of £1114.75
that does not include any interest.
Hope you can help
I paid a total of 25 months 1st Payment date 22/12/05 last payment
made 22/12/07, from the Subject access request it says 23/05/08 Default issued remaining
LPI removed to leave balance ofxxxxx
I have added up again from the Subject access request that i have paid a Total of £1114.75
that does not include any interest.
Hope you can help
very many thanks
Tonks
If you believe you have cause for a claim for mis-selling that you should be able to ask for refund of PPI as follows:
The instalments of £41.17 per month on the PPI do actually include the interest at 6.4%. I believe you should be able to claim back 25 x £41.17 =£1,029.25 and if have no success in claiming and go via the fos you could be awarded 8% statutory interest on top of this from the day the loan started up until the day you accept any settlement.
You may want to ask Pompeyfaith to veryfy the figures he is really up to speed on calculations
aa
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.
Capone /Robway ppi
to Robinson Way for my loan account
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Originally Posted by alanalana
