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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  1. #1
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    Default ppi refund

    hi to all,
    could someone please help me,

    i have ongoing PPIicon complaint and they told us over the phone that we need to have PPI as the loan was of big amount for secured loan
    and they wouldnt release the loan if we don't take ppi and at present they are being investigated now.

    the problem is if being successfull fingers crossed how would i know if i am getting the right refund,

    i tried several formula from this site but going nowhere.

    i followed IMS21 formula but getting differnt amount and i cant find that thread now.

    cash loan :22000

    ppi :6380

    APR (variable) 12.9%

    int rate per annum 12.23%

    monthly payment 434.58 variable for 108 months started 11/5/2006

    thanks in advance for the help


  2. #2
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    Default Re: ppi refund

    total cash price PPIicon / total cash price loan * 100 = %
    6380/22000*100=29%
    % of PCM = PPI PCM
    29% of 434.58[PCM]= 126.03 PCM
    fill in below for EVERY MONTH you made a payment.

    StatIntSheet v101.xls

    so from the
    FIRST payment date [11/5/06]
    enter date/reason/amount for every monthly [PCM] PPI payment ever made

    dx

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  3. #3
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    Default Re: ppi refund

    thanks dx for help, i'll try to do the computation and post the result here and see if i made it right.


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    Default Re: ppi refund

    It says on award calculation 1816.26 after i've filled in the relevant field upto this month.
    PPIicon premium 6380
    charge for credit 4170.52 for 108 months
    the loan is still running and we have 3 more years to pay
    how much refund approximately would we get so we wont rip off again?
    many thanks again


  5. #5
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    Default Re: ppi refund

    sorry?

    use the calc i gave you
    use the info from your agreement.

    dx

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  6. #6
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    Default Re: ppi refund

    hi dx thank you for the quick reply
    so it was 1816. will it include the 6380 premium i suppose.
    many thanks again


  7. #7
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    Default Re: ppi refund

    i have changed my exp post above for you.

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
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    Default Re: ppi refund

    hi dx i think i confused you now sorry the loan was 6380+22000=28380 in total. thats why i've got the 1816 ty


  9. #9
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    Default Re: ppi refund

    can you scan up the agreement please


    scan the required letters/agreements/sheets - as a picture[jpg] file
    don't forget you can use a mobile phone or a digital camera too!!
    .
    ENSURE: remove all pers info inc barcodes etc using paint program
    but leave all figures and dates.
    .
    goto one of the many free online pdf converter websites
    it would be better to upload a multipage pdf if
    you have many images too rather than many single pdfs
    .
    or if you have PDF as an installed printer drive use that
    or use word and save as pdf
    .
    open a new msg box here
    hit go advanced below the msg box
    hit manage attachments below that box
    hit the add files button on the top right
    hit select files, navigate to your file[s] on your pc
    hit upload files
    .
    .
    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
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    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges 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
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  10. #10
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    Default Re: ppi refund

    i'll try i tomorow as it was late now, many thanks dx for your help and to CAGicon team


  11. #11
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    Default Re: ppi refund

    hi dx,
    sorry dx it's too technical for me to download what you've ask me to do, i'm not that literate in computer.I've read some previous post here and this is the calculation that came up. i've done the calculation as a fixed APR eventhough our APR is variable and our monthly payment now is higher than below.
    Agreement: Amount of credit for
    Cash loan 22,000.00 PPIicon 6380.00
    Duration (months) 108 108
    monthly payment 336.89 97.69
    APR (variable) 12.9 % 12.9 %
    total charge for cedit 14384.12 4170.52
    interesticon rate per annum 12.23 % 12.23%
    Variable
    Summary: total borrowed 28380
    monthly payment 434.58

    CAlculation
    statin
    Award calculation : monthly payment PPI 7033.68
    8% simple nterest 1720.12
    total 8753.80

    loan analysis
    on the 73rd month column D 301.69
    column E 132.89
    column F 12739.69
    thank you again for your patience

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  12. #12
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    Default Re: ppi refund

    PPIicon is 22.48% of total loan.

    In the spreadsheet that dx gave you just list the payments of 97.69 giving the date of payment, a description (i.e. PPI Payment) and the amount (97.69).

    If your repayments changed due to it being variable rate, just work out what 22.48% of the total monthly repayment was and enter that figure in the list.

    Do that for every payment you actually made.

    The spreadsheet will do the rest.

    You don't need to enter anything to do with interesticon rates as that is already included in your monthly repayment.

    ims

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  13. #13
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    Default Re: ppi refund




    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
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    1. Single Premium PPI Q&A Read Here
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    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  14. #14
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    Default Re: ppi refund

    hi ims, i'm actually followed calculation from your previous post here. i've just put fixed payment as i do'nt have exact figures of payment but it is not less than 434.58 permonth so what i am trying to find is only rough estmate of rebate if successful and tthis what came up:


    CAlculation
    statin
    Award calculation : monthly payment PPIicon 7033.68
    8% simple nterest 1720.12
    total 8753.80

    loan analysis
    on the 73rd month column D 301.69
    column E 132.89
    column F 12739.69
    thank you again for your patience


  15. #15
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    Default Re: ppi refund

    hi dx, all of you here are quick to help.
    i don't nknow if i've done it right.
    thank you again


  16. #16
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    Default Re: ppi refund

    post up the spreadsheet

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
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    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges 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
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  17. #17
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    Default Re: ppi refund

    now im very thick! how do i do that?


  18. #18
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    Default Re: ppi refund

    post 9

    convert it to pdf and attach it

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
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    1. Single Premium PPI Q&A Read Here
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    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  19. #19
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    Default Re: ppi refund

    hi dx, i'll do it tommorow as i need help from my friend who was good in computer.
    thank you again!



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