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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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.

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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)


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  1. #1
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    Default lloyds cc ppi ! its a win

    Ive kept it low key but letter through today from Lloydsicon TREDEGAR that they gonna pay on misold PPIicon as i didnt tick the box on the note! CREDIT CARD APPLICATION. i sent a letter back with the form accepting there offer with a list of charges + ci+ 8% ...... basically they have lost all details but the letter say THERE GONA cough up... ill keep u posted

    thanks people


  2. #2
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    Default Re: lloyds cc ppi ! its a win

    Exelent news, well done !!! . . when you get your cheque post back here and let us know so we can mark the thread to won. . . CONGRATS!!

    I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
    1) give a small donation to this site to keep it going because without this forum I would know nothing.
    2) Use your experience to help somone else on another thread.

    Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

  3. #3
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    Default Re: lloyds cc ppi ! its a win

    ah thanks

    this is my 4th success now

    i just gona get rid of my od with Lloydsicon then push for bank charges they are waste of space.....lloyds and charges that is

    ta


  4. #4
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    Default Re: lloyds cc ppi ! its a win

    Quote Originally Posted by jdes26 View Post
    Ive kept it low key but letter through today from Lloydsicon TREDEGAR that they gonna pay on misold PPIicon as i didnt tick the box on the note! CREDIT CARD APPLICATION. i sent a letter back with the form accepting there offer with a list of charges + ci+ 8% ...... basically they have lost all details but the letter say THERE GONA cough up... ill keep u posted

    thanks people
    Well done jdes - I'm very pleased for you

    LTSB PPI on various loans (current/settled) - Refunded inc 8%

    MBNA 1 Charges - Refunded inc CI

    MBNA 1 PPI - Refunded

    MBNA 2 Charges - Refunded inc 8%

    MBNA 2 PPI - Refunded

    MBNA 2 Accident Ins - Refunded

    Swift Advances (settled) Mortgage Charges -Partially refunded

    Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

    Sainsburys (settled) Loan PPI - Refunded inc CI +8%

    Sainsburys (closed) Card Charges - Refunded inc CI + 8%

    M&S Money (closed) Card Charges - Refunded inc CI

    M&S Money (closed) Card PPI - Refunded inc 8%

    Direct Line (settled) Loan PPI - Refunded inc CI + 8%

    Debenhams Card (closed) PPI - Refunded inc 8%

    Swift Mortgage Charges -Refunded

    Hitachi Finance (closed) Charges - Refunded

  5. #5
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    Default Re: lloyds cc ppi ! its a win

    [FONT='Arial','sans-serif']PPIicon CHARGES LIST / Lloydsicon CREDIT CARD[/FONT]
    [FONT='Arial','sans-serif'] [/FONT]
    [FONT='Arial','sans-serif']10/12/2006 ppi charge £1.44 + contractual interesticon 14% 0.87 = £2.31[/FONT]
    [FONT='Arial','sans-serif']10/01/2007 ppi charge 0.39 + contractual interest 14% 0.16 = 0.45[/FONT]
    [FONT='Arial','sans-serif']09/02/2007 ppi charge 0.95 + contractual interest 14% 0.52 = £1.47[/FONT]
    [FONT='Arial','sans-serif']12/03/2007 ppi charge £14.34 + contractual interest 14% £7.56 = £21.90[/FONT]
    [FONT='Arial','sans-serif']12/04/2007 ppi charge £24.02 + contractual interest 14% £12.22 = £36.24[/FONT]
    [FONT='Arial','sans-serif']11/05/2007 ppi charge £28.68 + contractual interest 14% £14.11 = £42.79[/FONT]
    [FONT='Arial','sans-serif']11/06/2007 ppi charge £38.24 + contractual interest 14% £18.14 = £56.38[/FONT]
    [FONT='Arial','sans-serif']10/07/2007 ppi charge £41.07 + contractual interest 14% £18.81 = £59.88[/FONT]
    [FONT='Arial','sans-serif']09/08/2007 ppi charge £40.86 + contractual interest 14% £18.02 = £58.88[/FONT]
    [FONT='Arial','sans-serif']11/09/2007 ppi charge £40.95 + contractual interest 14% £18.06 = £59.01[/FONT]
    [FONT='Arial','sans-serif']10/10/2007 ppi charge £42.02 + contractual interest 14% £17.81 = £59.83[/FONT]
    [FONT='Arial','sans-serif']09/11/2007 ppi charge £36.17 + contractual interest 14% £14.74 = £50.91[/FONT]
    [FONT='Arial','sans-serif']10/12/2007 ppi charge £34.58 + contractual interest 14% £12.94 = £47.52[/FONT]
    [FONT='Arial','sans-serif']10/01/2008 ppi charge £41.99 + contractual interest 14% £15.02 = £57.01[/FONT]
    [FONT='Arial','sans-serif']11/02/2008 ppi charge £40.45 + contractual interest 14% £13.80 = £54.25[/FONT]
    [FONT='Arial','sans-serif']11/03/2008 ppi charge £40.87 + contractual interest 14% £13.33 = £54.20[/FONT]
    [FONT='Arial','sans-serif']10/04/2008 ppi charge £40.95 + contractual interest 14% £12.71 = £53.66[/FONT]
    [FONT='Arial','sans-serif']12/05/2008 ppi charge £41.08 + contractual interest 14% £12.13 = £53.21[/FONT]
    [FONT='Arial','sans-serif'] [/FONT]
    [FONT='Arial','sans-serif']Total £769.90 + 8% £61.59 = £831.49[/FONT]

    this is the list i sent them

    any thoughts landy?


  6. #6
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    Default Re: lloyds cc ppi ! its a win

    Hi jdes

    Were there any figures at all on the offer letter from ltsbicon or was it just a blank acceptance form with no idea of how much their offer comprised?

    Your calculations with the contractual interesticon appear to be correct (although I haven't actually checked them!), but did you just add the 8% simple to the grand total or add 8% to each of the premiums plus contractual interest?

    Landy x

    LTSB PPI on various loans (current/settled) - Refunded inc 8%

    MBNA 1 Charges - Refunded inc CI

    MBNA 1 PPI - Refunded

    MBNA 2 Charges - Refunded inc 8%

    MBNA 2 PPI - Refunded

    MBNA 2 Accident Ins - Refunded

    Swift Advances (settled) Mortgage Charges -Partially refunded

    Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

    Sainsburys (settled) Loan PPI - Refunded inc CI +8%

    Sainsburys (closed) Card Charges - Refunded inc CI + 8%

    M&S Money (closed) Card Charges - Refunded inc CI

    M&S Money (closed) Card PPI - Refunded inc 8%

    Direct Line (settled) Loan PPI - Refunded inc CI + 8%

    Debenhams Card (closed) PPI - Refunded inc 8%

    Swift Mortgage Charges -Refunded

    Hitachi Finance (closed) Charges - Refunded

  7. #7
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    Default Re: lloyds cc ppi ! its a win

    no there was know offer.... all they said was after extensive investigation we have decided to refund all PPIicon charges plus the relevant interesticon charged .... they sent an excemptance form which i signed and enclosed a list of charges then added 8% interest on total amount. they offered to either credit card or pay in a bank[ i gave post offfice sort code and account number] ill scan letter and post....... i had them by the balls i didnt sin the yes tick box and they knew it


  8. #8
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    Default Re: lloyds cc ppi ! its a win

    landy you seem very successfull on this site and your threads interesticon me immensely ..... whats the deal with your bank charges cases do you think us as individuals will ever get a result in getting them credited back. i mean i have had PPI loan Lloydsicon refunded. MBNAicon ppi and cc charges refunded lloyds cc charges and now lloyds ppi cc getin back but bank charges just buzzzz me out i am completely miffed on what to do. can you charge c/interest on charges to. thats my next battle



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