Didn't realise or think anyone would be interested in looking back so far.

I apologise.

Where was the original post please?

Didn't realise or think anyone would be interested in looking back so far.

 

I apologise.

It is essential to retain all the history together to receive accurate advice.

Where was the original post please?

Todays ? Post #22 above

So all these years on, I held out and kept the house until Oct 2009. There was a purchase going through, until the last minute which fell through and then despite having an auction booked, four weeks hence, it was repossessed.

Now, after a year of waiting, I have the paperwork to reclaim some of the funds that were overcharged at the time. Can anyone tell me the level of interest I can claim?

I would like to get this going asap, of course.

Thank you so much.

ah so you want to do some reclaiming

have you all the old statements now then?

the int rate will be the mortgage in rate [APR]

and the CISHEET we use here.

Hello

I have waited exactly a year for my SAR documents to come through from Redstone and have been going through them all these past few days.

Can I claim for the whole of the arrears fee of £50.00 or just a portion of it?

Same as with the DD charges.

I am assuming the charge is 35.00, 1

0.00 is close to actual cost and 25.00 can be claimed from them?

How does the figure for restitution work?

Thank you so much.

moved you random post on a thread 7yrs old to YOUR thread

keep posts here please.

you claim the whole of every fee

using the CIHEET at their int rate

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

CISheet v101.xls

Thank you.

There is no PPI.

Just the dd charges and the arrears charges and whatever interest there is to be claimed.

Counsellor visits;

they sent a cheque to me at the house they repossessed,

a year after the event

so of course didn't reach me.

There is also an overpayment at the time of the sale

so I have asked for clarification on that.

I imagine that will have been taken up by a second charge on the property at the time.

However, I would like to reclaim what I am entitled to of course.

Thank you for your help.

I am sorry I post in the wrong places,

I don't mean to,

I find navigation confusing here.

Clearly I don't use it enough.

just stick to your own thread

or if you do see a thread that looks like can help you

by all means post there

and post a link to this thread

that way you might bet a reply

you can reclaim all what you mention about

but NOT the interest pyment

the sheet works that out for you

I truly appreciate your help.

I have been reading through the Redstone/FSA document so feel fairly confident about my claims.

I will get to the worksheet this weekend and see how it looks when I am finished with it.

Not having used one before be prepared for further questions!

Whatever I receive will be good of course but can never make up for the appalling treatment by them and their agents at the time.

I was not given proper time to vacate and the estate agents were seen and filmed filling their cars with my belongings.

The whole episode a utter horror story right up to the completion.

Thank you again.

Hello DX100UK

So, I have made the calculations and have a figure now.

Is there a particular letter that is used to send, and any timeframe for them to respond/settle?

Thank you again.

attach your spreadsheet

Hello

Yes, I have all of the statements now.

I have just claimed first of all,

the amount they sent to me for agents visits,

though to the property they re-possessed the year before,

so never received by me of course.

Thought that was easiest since it had already been authorised.

I received the payment,

but for the original amount,

not the extra years of interest as they tell me,

as they have records showing they made all reasonable efforts to reach me at that time,

they do not owe me further interest. Is this right?

They expected me to have a mail forwarding address in place.

I didn't since I had no idea where I would be.

Now comes the claim for excess charges...

Well done demel.......keep at it.

Andy

not happy about the interest not being given.

whats it worth in the statint sheet?

To day I have heard back that they are not going to pay me anything for excessive charges at all, since they say the charges I have itemised, MAAF's and DD fees were not identified as having been inappropriately applied, following the FSA review.

They enclosed details from the original lender and their own details where all charges are outlined and state that as I was contractually obliged to make payments, when I didn't, the charges applied as stated...

there are number of issues in the letter I am not happy with.

Is there anyone I could send a copy to to have a look for me?

Thank you so much.

Scan it in and upload it here (redacted)

Andy