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gazab41

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  1. this is a really strange one tbh, they have agreed a pay back of ppi. But very strange there was in theory 3883.64 owing on account In 2009, this includes the 2146 pounds PPi single premium added at beginning of loan , they then calculated interest based on the 35.77 PPi payments I made over 36 months. So total figure offer of 4093 net however they are then taking the full arrears amount off what giving me. 209 after tax which doesn’t make any sense as obviously redress is supposed to put in a position pre ppi. The arrears figure without ppi would be 1737 approx, have a document showing 0.00 owing that is on the thread. They sent transactional history showing these arrears written off for some reason in 2010. Admitted they don’t have records either they have admitted this in writing . I have calculated that purely the 35.77 payments plus stat interest would equate to a lot more then offer even if just gave me that minus the arrears which should be 2000 less. Ps asked me to send income and expenditure so they can decide if to pay me redress and not use to pay arrears, fos want to take it on as odd not seen this before. Thanks again may also add if you look at my old post the figures they quote includes the original charge for ppi, so don’t understand how they can give me that back then take it off arrears which includes the ppi amount. They state account written off in 2010 but as you see in other post they were still chasing in 2013. Why would they ask me to send income and expenditure to see if they can pay me the lot. Fos looking at taking it on as not putting me back in position I would of been in if the PPI could of been claimed in the first place when lost job years ago I would be in a better position and certainly would not have ended up with large overdraft with own bank any help appreciated even if draft income form thanks They calculated payment of 4093 after tax removed break down original ppi amount plus the interest on what I actually paid which is 35.77 x 36 months orig ppi charge 2146 interest is 1999 approx figures arrears listed 3883 which includes the 2146 ppi charge without that should be 1737 owed
  2. I haven't had relationship breakdown and no work so had problems in my head, getting sorted mind would just like to get rid of allience and liecester/ Santander once and for all
  3. Ok guys advise needed again on this received a few letters at my previous address from Moorcroft re Santander who took over allience and liecester last one threatened a visit to the property owned by girlfriend, of which I moved out of last year when we had a blip in our relationship. Today I recived the following letter. At new address It reads thus Dear Mr We are agents of Santander(uk) plc Their records show that the above account has an outstanding balance. They have therefore asked us to contact the account holder to discus the account and we have been provided this address by a credit reference agency that supply us with address links based on information they hold. Please contact us to confirm the position and so that we can make appropriate arrangement However if you believe that you are not the person responsible for the account it is important that you contact us immediately either by telephone or letter. Thank you for your cooperation in this mater. The only thing on letter is a 12 digit morcroft ref followed by in brackets one letter a dash followed by 2 letters and 3 numbers. If you look back to 2010 Santander sent stat of account showing I owed nothing payment protection was also applied on this account which I was miss sold thanks if some one could advise be great full thanks.
  4. ok all this has now gone from lowells to Fredricksons. Letter reads as this DO NOT IGNORE IMMEDIATE PAYMENT REQUIRED We have been instructed by Lowell Financial Limited who have passed this account for collection of the outstanding balance. As we have been appointed as their agent you should now make contact with us and not lowell Financial Limited. We are athorised to contact you to secure repayment of the debt. You have failed to pay the balance of £2502.19 which remains outstanding despite previous repeated requests for payment. Our client now requires payment in full to avoid further action. You must contact us imediatley on 0845 3136625 to discus the mater further. Payment should be made to fredricksons etc thing is card number is again incorrect as again states barclay card and this was a msdw card with a flawed cca any advice please re letter to send these thanks
  5. oh last time i paid anything towards was 2009 the figure was always going down previously... but has gone up for whatever reason never sent any arrears notices either!
  6. yes signiture on it but it is an application for msdw gold card which was not what i had done in shopping centre nothing else ever sent to me. except a card not even terms and conditions..... this is an application form with bits missing
  7. gazab41

    gaz V egg

    Ok help needed on this one recived demand from tempus sollutions part of activ kapital, no egg number on this just EGC followed by two numbers i.e 28 need a letter to send to these idiots thanks
  8. ok I recived the following from Lowells, first was some copy statments from the days barclaycard took over morgan stanley account, I have now recived a 2 page application form which to me looks like a fantastic cut and paste job, followed by a demand from lowells to pay up. help needed please.. http://www.consumeractiongroup.co.uk/forum/asset.php?fid=30779&uid=244572&d=1336574567
  9. ok Prove it letter sent and in reply dated 15 th of March I recive the following Ok this Account was Opened as Morgan stanley then Migrated in 2008 to Barclaycard from morgan stanley the card ID number they quote is indeed the number barclaycard gave to morgan stanley card which was last used in 2003 and the orig amount of credit was £2800 and I certainly paid at least most of it back before Barclaycard took it over as had payment plan intrest frozen etc. both numbers quoted relate to barclaycard cards, so am very confused £1.00 payment i belive relates to payment for CCA which still has not been recived. Any help would be gratefull on this.
  10. ok still have not sent prove it letter, i have had allsorts of offers from lowells including free christmas gifts worth about 250-300 pounds if i contact them today i recived an aledged statment of account. this gives a lowell ref number. A credit agrement date of 29/june 2001 a card number starting 5301 this is a barclaycard number anyway card number wrong and the MSDW migrated to barclay card in 08 I will now send prove it letter idiots
  11. Hi have recived another Demand from Lowells who now owe the debt apparently, still no cca and the amount has gone up again. the thing with this the card number again quoted is nothing to do with me is there a letter from earlier i can post them thanks:evil:
  12. ok all advice needed had letter from lowells own account now notice of assignement sent etc. however there are a number of issues still no CCA, Amount gone up again and they have got the account number wrong out 0f 16 digits only first 5 match and another 6 appear in the account number but in the wrong place. just wonder what next move is thanks
  13. HI all just want some advice, Im working as a supply teacher and last monday was involved with Accident at work. whilst teaching class a whiteboard about 10ft by 4ft crashed down from wall hitting me across right shoulder, was looked at by school first aidder and reported in accident book with a request for local council heath and saftey team to look into it, was told no problem if i went and had it checked out local hospital that afternoon. There caretaker also spoke to me and i belive jokingly said you are not going to sue us. on monday evening it had started to swell up, I had very little sleep and by tuesday morning was very painfal to use right arm. I phoned school left answer machine message explain I would need first lessons covered as not sure how long would be in hospital, left my mobile number and said i would keep them updated, I then let my agency know what had happened preivious day. Agency contacted me back stating for me just to get to school as soon as I could. got to hospital which is local to home address about 9am and had to wait till about 10.15 am to be seen. I let the school know this they also stated thanks get in as soon as you can. I was sent for xrays etc and about 11am was told no breaks only soft tissue damage take pain killers and anti inflamatorys for next week and do excersises to restrenthen arm. I phoned school again and let them know i would be there asap rely on train etc which takes arround 1.5 hrs to get there. I arrived arround 12.45 which is towards end of lesson 3 . on a tuesday i teach lesson 1 and 2 morning and lesson 4 in the afternoon. I then submited timesheet for full 5 days which was rejected stating no arrival till 1pmish, asking for resubmission am guessing 4.5 is what they want me to put down, need to contact agency on monday re this would it be worth making a claim for injery thanksany advice gratefully recived. ps whiteboard had hit 1 teacher before and just missed another cartakers have just rehung it thanks in same way
  14. thanks for looking here are answers to questions. 1. no answer from FOS 2. was addvised against need to sar companies as they stat no CCA HELD will now if need to, and do i send one to hfc and another to marbles(avimore finance Halifax) 3. should i send cca request to capquest or wait. 4 have recontacted oft this morning about harrasment and have been given email to respond too, told they are building file on capquest thanks all
  15. sorry forgot to add the SD here it is. http://img818.imageshack.us/img818/8356/27thmay.jpg
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