Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder celtichedgewitch Novitiate



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    Default Acenden

    Not sure if I've got this in the right place, but I'm sure the Mods will put me right.

    I have just received a lettericon from Acenden stating that after the last BBR change in March 2009, my monthly payment was incorrectly set owing to "fees and interest" applied to my account not having been included in the payment amount. This will apparently result in a shortfall on my mortgageicon of 1155.51 over the term of the mortgageicon.

    They say my options are to increase my payment by 10.41 a month over the term (9 years and 3 months remaining = 1155.51, seems OK) OR make a lump sum payment of 109.58 How does that work?

    My payment has only been at the current amount since October 2009 anyway, not March.

    Has anyone had a similar letter, or know what this is about? Obviously I don't want to be left with a shortfall, but an alarm bell is ringing in my head which says the numbers don't add up. I am just about to go trawling back through all my mortgage letters, statements and other papers to see if I can shed any light on it that way, prior to a telephone callicon later today. Wish me luck!

    C1 - letter requesting refund of PPI (2875.60 before interest, 3281.38 with interest) 16/08/07
    C1 - letter requesting refund of charges (48.00 before interest, 54.11 with interest) 16/08/07
    C1 - 48.00 credit to card account as 'goodwill gesture'
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  2. #2
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Acenden

    'fees'

    you mean you've been charges fees for late/missed payments

    if so

    you owe them nowt on these

    get reclaiming.

    dx

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  3. #3
    Basic Account Holder celtichedgewitch Novitiate



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    Default Re: Acenden

    Nope - haven't missed a payment or been late since the date in question, and they haven't offered me an explanation of what these fees and interest are for.

    C1 - letter requesting refund of PPI (2875.60 before interest, 3281.38 with interest) 16/08/07
    C1 - letter requesting refund of charges (48.00 before interest, 54.11 with interest) 16/08/07
    C1 - 48.00 credit to card account as 'goodwill gesture'
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  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Acenden

    ok
    i'm gonna move this to the mortgageicon forum

    there are lots of other threads on capstone there to read too

    dx

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
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