Hi My car was broken into on Friday from a hotel car park, the thieves broke the lock and damaged the door, reported to police and hotel, rang insurance on Saturday a.m and gave details, they arranged for car to be collected from my home address as they said the insurance would be null and void if I were to leave it unsecure.... car was taken to safe storage to be transported to repair garage today. Rang insurance today, as hadn't heard from garage and was told that there was a discrepancy with my original call.... they are claiming that I said the car had been left unlocked! i wouldn't have said that because it wasn't true!!!! I find this incredulous as why would the thieves have broken the lock if it was unlocked? I am now without my car whilst the insurance company check the recording of my original claim! Can anyone offer any advice as to what to do next? Also, is the hotel liable as the cctv didn't cover where my car was parked and there weren't any notice to say cars parked at owners risk? Thanks in advance of any help.

Wow 16% apr!!! what was i thinking ??Thank you DX and IMS21 for your advice and help, we got there in the end.... sorry for all the questions, I will leave it alone now

Hi Again...The 2 links that you provided ask for the apr which isn't on the agreement??? How can i find out if PPI was added to the loan if i haven't got the interest rates??? Your comment "diff to say but looks unlikely" - does this mean you think it unlikely that PPI was included? and should i not pursue it any further??Thanks

sorry dx but how do i go about working out the interest using the links you've sent? thank you for your help....

Apologies for the delay.... please see attached agreement and let me know what you think DOC060611.pdf

Hi, not sure whether you will be able to offer any help on this one but here goes............. .Came across an old loan agreement that hubbie took out in 1998, the loan was with Singer Friedlander (who have gone into liquidation), now i know ING took over some of their businesses but i believe Singer Friedlander are still looking after personal loans etc??? does anyone know if this is correct???? should i send them an SAR? does anyone have a contact address for them? Not sure if PPI was paid but the initial loan was for 28500.00 and on top of that was £11500 additional credit (would this include PPI or is this purely made up of interest on the loan)?? The payments were one at £775 and 59 further payments of £660.00. Bit of a long shot but hope someone may offer some answers??

Thanks DX...... don't know what I'd do without you all Keep you informed for the next installment

How's this for a reply: Thank you for the refund I have received. Unfortunately, I believe you have miscalculated and therefore ask you to reassess the settlement amount. Whilst I agreed in principal to your calculations as detailed in your letter dated 27.07.10 it appears that the redress is significantly lower than my calculation as detailed in the schedule of charges sent with my last correspondence (see attached). I had hoped I could rely on your integrity to deal with this matter honestly and fairly and hope that this has just been an oversight on your part. I look forward to a positive response and redress as per the attached calculations

Hi DJ This one is still with the Ombudsman.... keep getting update letters off them saying due to a backlog things are taking longer than usual.... Need some advice on my other thread entitled Lloyds TSB PPI (i did message you), can you offer any help and advice? Thanks DJ

Thanks, I would appreciate it. Sorry to sound dumb... but what do you mean ping and how do i do that

Hi Dx Thank you for your reply, what do you suggest i do now.... and how do i broach the subject with them about how i feel their calculations are wrong and how best to explain my reasons?? Grateful as ever for any help and advice

Any advice anyone please ????

Hello Again Having signed the acceptance form we then received the offer dated: 06.09.10, which falls significantly short of the calculation schedule I sent them (see post 43), this is how they have broken it down: £1394.11 - this is the amount that was paid for the policy during the period the policy was active. When making this calculation i have only taken into account the actual payments that were made. This may be different to the payments set out in your original loan agreement, for example the figure may differ if you missed a payment. (NO PAYMENTS WERE MISSED AND THE ACCOUNT WAS UP TO DATE) £207.62- this is an additional payment of 8% simple interest which we have calculated on the amount that you paid for the policy during the period it was active. As you settled your loan early, i have also calculated the difference between the settlement balance you paid and what your settlement balance would have been if you had not taken out the policy. We will pay you this difference of £1168.58 with an additional payment of £95.21 which represents 8% simple interest. I have calculated your refund in accordance with the Financial Ombudsman Service guidelines. Am I right in thinking they have omitted the interest charge and what do i do now to pursue them for the figure as per the schedule they were sent? (they refunded £2700.00) Thanks for your help again

Thanks DJ, Does anyone else have any advice?? Do i write to them and quote the Limitations Act 1980 if so how should it be worded?? Thanks in advance of any help....