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    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
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ppi refund


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hi to all,

could someone please help me,

 

i have ongoing ppi 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

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total cash price PPI / 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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It says on award calculation £1816.26 after i've filled in the relevant field upto this month.

ppi 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

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sorry?

 

use the calc i gave you

use the info from your agreement.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i have changed my exp post above for you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 on your pc

hit upload files

.

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 PPI £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

interest 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

Edited by winslet
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PPI 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 interest rates as that is already included in your monthly repayment.

 

ims

 

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:rockon::rockon:

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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 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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post up the spreadsheet

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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post 9

 

convert it to pdf and attach it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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