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.

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BAILIFFS - The Law and Your Rights

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  1. 10th August 2009 08:33 #1
    mkb mkb is offline
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    Default smile PPI - need help with calculating please

    Hi all

    Smile loan + PPIicon.
    I know the loan is enforceable but PPI is useless to me because of my existing medical condition plus I was never told I could buy it elsewhere.

    I have looked on various threads to glean the info I need but haven't been able to find anything similar so please can you help?

    I have no idea how to work out what they owe me cos I just can't get my head around the figures

    I have attached the loan agreement + statements so if anyone can work it out & post me the spreadsheet I would be so grateful (another donationicon to this fab site )

    Thank you

    http://img188.imageshack.us/img188/6369/smileppi.jpg
    http://img37.imageshack.us/img37/875...statement1.jpg
    http://img20.imageshack.us/img20/328...statement2.jpg

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  2. 10th August 2009 22:04 #2
    alanalana alanalana is offline
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    Default Re: smile PPI - need help with calculating please

    You should be claiming back xx months @ £15.10 per month plus contractual interesticon at 18.1% and then add statutory interest @ 8%

    you can use this calculator to work out the contractual interest (Compound).......Compound interest calculator

    and this one to work out the 8% simple interest.......

    Blake Lapthorn - simple interest calculator

    If you have questions best put to pompeyfaith. Who is about to get a result on his own claim.

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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  3. 10th August 2009 22:12 #3
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    Hehe Alan soon as i saw that post i thought i got another one coming lol

    My brain is primed and ready.

    PF

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  4. 10th August 2009 22:23 #4
    alanalana alanalana is offline
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    Default Re: smile PPI - need help with calculating please

    keep the figures into the tens of thousands pf

    I know you want to beat the euromillions jackpot total but your time will come.

    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

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    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.
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  5. 10th August 2009 22:30 #5
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    haha

    But is not £30,500 some way to that.

    PF

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  6. 11th August 2009 08:48 #6
    mkb mkb is offline
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    Default Re: smile PPI - need help with calculating please

    Put figures into compound calc & came up with £19.83 so x 8% is £1.59. 19 months @ £15.10 = £286.90 plus £19.83 plus £1.59 = £308.32.

    PF - please would you double check these figures for me cos I don't want to be asking for the wrong amount!

    Thank you


    Link to CAG letter templates: http://www.consumerforums.com/resour...ollectors.html
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  7. 11th August 2009 11:35 #7
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    yup will do ill check this evening when i get home PF

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  8. 11th August 2009 11:44 #8
    mkb mkb is offline
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    Default Re: smile PPI - need help with calculating please

    Thanks PF

    Link to CAG letter templates: http://www.consumerforums.com/resour...ollectors.html
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  9. 11th August 2009 19:22 #9
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    MKB bit confused here why are you not claiming back the PPIicon premium of £425.05?

    Although you will not get this back in your pocket as the loan i not paid up you still need to claim it so it can be paid back into the loan there by reducing the amount owed.

    PF

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  10. 11th August 2009 19:27 #10
    mkb mkb is offline
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    Red face Re: smile PPI - need help with calculating please

    Doh - it must be cos I is stoopid....!

    I thought there was sommit missing - LOL

    Apart from that though, have I worked out the interesticon properly?

    Link to CAG letter templates: http://www.consumerforums.com/resour...ollectors.html
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  11. 11th August 2009 19:33 #11
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    Yes spot on, just remember to put in your letter that you want the premium returned to the loan there by reducing amount owed. and what you have paid to this PPIicon monthly returned to you.

    PF

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  12. 11th August 2009 19:43 #12
    mkb mkb is offline
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    Default Re: smile PPI - need help with calculating please

    Thanks PF - will post letter tomorrow & update when I get a response.

    Link to CAG letter templates: http://www.consumerforums.com/resour...ollectors.html
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  13. 5th October 2009 10:27 #13
    mkb mkb is offline
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    Default Re: smile PPI - need help with calculating please

    Final (and only!) response today. I claimed because of my existing medical conditions but see in their letter they also said about self-employment. IMO this makes it even more mis-soldicon!

    http://img32.imageshack.us/img32/539/smile1t.jpg

    http://img3.imageshack.us/img3/7232/smile2jf.jpg

    http://img9.imageshack.us/img9/6853/smile3a.jpg

    So it's off to fosicon I guess.

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  14. 5th October 2009 12:33 #14
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    Hiya mkb,

    That letter is -rap and a fob off the first letter always is from the co-op/smile

    Now bearing in mind that the fosicon is very likely to take considerable time in resolving your complaint I believe another letter and i further 14 days for them to reflect will do no harm.

    I also noticed they did not at all address your medical conditions in that letter so I believe they have not fully investigated your complaint.

    As per the FSA's latest update on PPIicon redress last tuesday they and the FOS take a very dim view of complaints being sent to them that have not been fully investigated.

    So with that in mind and the links below give them a further 14 days after which the complaint will go to the FOS.

    http://www.fsa.gov.uk/pubs/cp/cp09_23_newsletter.pdf

    FSA unveils tough measures to protect PPI consumers

    http://www.fsa.gov.uk/pubs/cp/cp09_23.pdf

    Have a good read of the links above as they will help you in composing your next letter.

    Head the letter like thus also:

    letter before actionicon

    Regards

    PF


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  15. 5th October 2009 12:48 #15
    mkb mkb is offline
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    Default Re: smile PPI - need help with calculating please

    Cheers for that PF. Must admit I was pretty surprised that there was no mention of existing conditions BUT they volunteered the info that I was self-employed

    Rang fosicon who are sending me out a form but it wouldn't do any harm to pen another to Co-op in the meantime so I'll get that off today.

    Am guessing you're happy about Saturdays result :grin: but what on earth is happening with finance/ownership of your club???
    I'm a red through & through so was mighty relieved when we managed to scrape a 2 - 2 draw against a very good performance by Sunderland.

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  16. 5th October 2009 13:17 #16
    pompeyfaith pompeyfaith is offline
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    Default Re: smile PPI - need help with calculating please

    Pompey lol the sage continues it appears from the press yesterday that the club have been sold again to the al-farje brothers with al-famin holding onto 10% and becoming a non-exec director.

    But yes the win was good and it and others where not for trying.

    Regards

    PF

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