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.
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I took a loan with HFC. Total amount plus PPI10552.31 at 27.9% APR over 72 months. Total amount payable after 72 months would have been almost 20000. I have challenged the PPI and put in a claim. By the way the account is now in dispute over some technicalities. They cannot issue a copy of the executed agreement and those they've tried to send me all have wrong figures! In response to my PPI claim they wrote and said; I am prepared to offer you an ex-gratia payment of 2536.77 in Full and final settlement of your complaint against HFC. This amount includes the 8% interest. Please help me discover if this offer right. They're also going to deduct it from the loan balance.
Please any ideas.
Hi,
I'm no PPI expert but it seems to me that you should be claiming the contractual interest and not the statutory interest.
27.9% is much better than 8%
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
just giving your post a nudge in the right direction
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Ppi Calculation, Help!!!
10552.31 at 27.9% APR over 72 months. Total amount payable after 72 months would have been almost 20000. I have challenged the PPI and put in a claim. By the way the account is now in dispute over some technicalities. They cannot issue a copy of the executed agreement and those they've tried to send me all have wrong figures! In response to my PPI claim they wrote and said; I am prepared to offer you an ex-gratia payment of 2536.77 in Full and final settlement of your complaint against HFC. This amount includes the 8% interest
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