MARS PARAGON CI SHEET 1.xls

sheet added MARS PARAGON CI SHEET 1.pdf

Hi yes ive added all charges as listed on the paperwork i had received by SAR

Hi yes well i wouldn't be putting the hundreds of pages on here. I have all paperwork from all lenders. I didnt put a full a4 on as i was just showing you certain figures to check what to include. I have gone back to day 1 and included all charges. Since mars have owned it there has not been as many charges only the total of £580 i cannot see charges for moving lenders - these havent been disclosed if there was any charge at all. I would like to hit them with this and a settlement figure.

The loan was for £35,000 its now £55,072 ive paid around £29,000 in fees its been 17 years my payment each month doesnt even cover the interest payment. I am being charged interest on arrears and interest on principal separately . I am ready tp fight , i just need help ive paid

sorry about the uploads - hadnt realised i hadnt named them I appreciate your help I will have to take to a solicitor and pay for some advice if anyone knows of anything

yes ive worked it out , its the monthly arrears fee where they have forgotten to take it off - been through all the statements. There has been a couple of times that i paid on last day of month and their system hasn't registered it until after 12 so charged. once ive updated this, where do i go with trying to contact them with it? isn't all the interest and arrears charges to be questioned? the figures are still highly inflated below is a screenshot of one of latest figures 2023-12-31 mars summary - you have overdue payments.pdf

IS IT? thought it would show a judge / the company what i have paid? am i just showing whats been unlawfully added? just want to see how ive got to such a high figure and high arrears The new company who have it - i get charged a £40 arrears fee on first of month then if i pay my payment i get the £40 refunded. Thats the only fee i am being charged that i can see, yet on my monthly account summary under fees - the figure rises every few months and is at £520 now? i cant seem to work out at all where its from unless its been from a couple of late payments or covid relief holiday without adding any more on ( the £520 fees balance i cant work out above ) my balance on the CI sheet at 15.75% interest ( lowest was 12.35% and highest 17.3% - its currently at 15.75% - ive put it at that for the APR on sheet ) is £28,580.05 ( not inc the £520 fees ) mortgage summary last 12mts.pdf

great so add up my payments made to include in the case and letter , so i can say how much i have paid of the loan and why it shouldn't be at £24,000 more than the original sum i took out

ok , ill take the interest on fees off the sheet. Ive had home visit fees , unpaid item fees , admin fees so added these all in as well as this sheet , do i add all my payments made , and all the interest payments? ( is this needed) so i can say right , ive paid back £x amount , ive paid £X in interest , and ive paid £X in unlawful fees

ILL add photo to show what i mean and how its laid out 2016-18 statement.pdf

yes sorry - i am finishing this and i wondered if " Interest on Arrears" is an unlawful cost to me that i need to add to the sheet. I am being charged interest , interest on arrears , interest on fees and an admin fee too ive added all but the interest on arrears to the sheet but i thought maybe this should go on , unless they are allowed to charge interest on my arrears

On the CI sheet, ive added on my list of fee "interest on fees" - which was a monthly fee taken from beginning ( i assumed it was interest of their fees .. admin fees i was charged monthly etc) it then changes after a few years to wording "Interest on arrears " so i assume i am not to add this charge on here?

HI still on with the sheet , all very complicated and have had some time off it. With regard to a suspended possession order ( they expire after 6 years and they must get permission and file to renew it ) Well , does a SPO carry over when the company sells the debt on? i cant find any information anywhere. Also paid my mortgage payment on the 31st dec at 11:56 but they sent a letter last week saying i was in breach of the order and hadnt made a payment in december. I sent them proof and time of payment and asked them to update their records accordingly was this right?

My husband is doing a full house renovation after a house fire, the customer he knows and has done previous work. He was asked to sort all this out and project manage the job and other sub contractors. The insurace would only pay out / or let him be the contractor if he was VAT registered the customer said so we quickly did this as we would have been doing it in a few months due to threshold , we have an accountant who is doing all books , VAT etc.They initially said if he wasnt vat registered they would only pay the sum minus vat The VAT number was given to the customer and then the insurance who then said they would pay out the claim minus the VAT and pay that at 3/4 of way through on receipt of photos of work / invoices. The customer is deducting 20% off every invoice we add , materials and labour. Shouldn't the customer be paying the invoiced total and then await the rest of their money 3/4 of the way through. It isn't for the contractor to be at a loss while going through the work / cash flow issues as he still has to be out Is this right?? just unsure at present