please somone

Hi I think I might have cracked it (probably not) can someone have a look see attached spread sheet If this is correct which in the principal sum I put in the calculator. simple interest calculator - Blake Lapthorn - Southampton, Oxford, London, Portsmouth, Winchester Thanks for any help. WLG WLG Spreadsheet 09.06.10 1.xls

Hi PF I have looked at this several occasions now and I am struggling to see how to get the sum i need to put in the calculator on the web link you sent me,Im really not that good with spread sheets.Can you please please help ?? Please see attached spread sheet you helped me with last time. Thanks Regards WLG WLG Spreadsheet.xls

Hi can someone please check my letter ready to go off to central. Also I could really do with some help with the calc's. Please anyone:) Cheers WLG

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Thanks Night Owl........................... Can someone please check through this letter to central for me,also PF can you check the attached spread sheet and let me know if the figures are right ? Central Capital Austin House Stannard Place St Crispins Road NR3 1PX Date: 30/01/2010 Re: Mis –Sold PPI ***************** & ********************* Paragon Account No: ******************** References: A. My Subject Access Request (S.A.R - (Subject Access Request)) dated 8th August 2009. B. Your response to Subject Access request - Dated 19th September 2009. C. Your ref 00301082 (Loan Approved).Dated 18 October 2005 D. Your (Supplied of copy of homeowner application from). E. Your (Supplied copy of direct debit instruction). F. Your (Supplied Copy Of client authority). G. Your (Supplied copy of credit check). H. Your (Central capital keyfacts about your insurance services) I. Your (Supplied Copies Of Paragon Credit Agreement) J.Your (Supplied Copy Of Central Capital) (Information about our recommendation sheet) K. Your supplied copy on CD with all sales conversations. I write in regard to the above References A – J. A PPI Policy was attached to this secured loan obtained from CENTRAL CAPITAL on behalf of Paragon November 2005 (See enclosed references A to J). I am now convinced that I was mis-sold this PPI policy for the following reasons: True Nature of Single Premium PPI Not Explained: No explanation was forthcoming from the central capital CAM on any occasion on the full extent of single premium PPI policy or the fact that they would offer no refund if the loan was settled early or the single premium PPI policy could not be cancelled prior to the single premium policy ends. I have tried to cancel my PPI policy in the past but was refused. There was also no explanation that the cost of the PPI premium would be added to the total cost of credit and interest added and how my monthly repayments without insurance would be affected by adding insurance to the secured loan for the full term of the agreement. It was not explained that the PPI would not run for the full term of my loan. I believe this practice is unlawful. Alternative Insurance Cover or Means:. I was never told I could buy PPI elsewhere to cover the loan. I paid upfront for the PPI but it was not explained that there were some PPI policies where you could pay monthly. I would also be entitled to a generous redundancy package from my employer if I was to be made redundant. Failure to Supply Important Information with Regard to Significant Policy Exclusions and limitations: Full details of the main exclusion and limitations relevant to me should have been fully explained to me prior to my decision to purchase my PPI policy. The Terms & Conditions of the small print were never fully explained to me. I now believe that the PPI policy attached to my loan account is extremely unfair and totally unreasonable. I am therefore requesting a full refund of all costs including all PPI premiums that have been paid, the interest added to these premiums and the payments that I have paid to date. Furthermore as I believe that I have been unlawfully deprived of this money, I will also expect the repayment of the Contractual interest added to these premiums plus the Statutory 8% that any court or the FOS would agree to within their calculations on any complaint submitted to them. Details of the single premiums for my account with the interest payments made are as follows: Principal sum: £00000000 Interest rate (per annum): 8% Interest from date: 04/12/2005 Interest to date: 30/01/2010 Number of day’s interest: 000000 Interest accrued: £000000 Daily interest continues to accrue at: £0.49 Principal + Interest: £ ???????? to date. Kindest Regards WLG Cheers Guys Copy of WLG Spreadsheet-2.xls

Hi Guys Hope you are all well and you had a good xmas and hope you have a good new year. Sorry its been a while.OK I wrote to Central Capital and they sent me: Copy of sales pack issued including -Initial disclosure document -Statement of demands and needs -Advanced copy of the credit agreements issued to me Homeowner application form Various other documents relating to my application Also they sent me a CD with all sales conversations (please see below for full conversation regarding sale of insurance). FSA Questionnaire 1) I must go through this FSA Questionnaire to see how covered you are at the moment. 2) If you are unable to work you would like to know that your loan repayments would be meet, is this correct? Answer – YES 3) Do you have any other arrangements that would provide accident, sickness or unemployment cover? Answer – NO 4) In the unfortunate event of your death I presume you would like to know your loan would be repaid? Answer – YES 5) Do you have life cover to cover this loan? Answer – NO 6) Have you in the past 6 months been in full time employment for more than 16 hours per week? Answer – YES 7) Have you in the last 12 months been registered unemployed or changed jobs? Answer – NO 8) Has there been any redundancies in the company in the last 3 years Answer - YES 9) Do you know of any mergers or take over’s that might affect you? Answer - NO 10) Do you own directly or indirectly 10% of the company you work for? Answer – NO 11) Have you consulted you doctor in the last 12 months other than minor medical conditions? Answer – NO 12) Do you have any previous medical conditions? Answer – NO 13) Are you aware of any disabilities or unemployment that might affect you? Answer – NO 14) Has any insurance cover on your life been accepted or declined on special terms? Answer – NO This is what he read out to me towards the end of the conversation. The policy will kick in after 30 days. I need to make you aware that there are certain exclusions in the policy which are detailed in the key facts illustration that you will receive with your loan papers, it is important you read through and understand this ,the exclusion include the following, but are not limited to them, minimum time in employment must be 6 months, this must be continuous before a claim can be made. Redundancy is not covered if you are aware of it before the policy starts and pre-existing medical conditions. I also need to make you aware the policy is for 60 months, however if you do redeem the loan earlier you are entitled to a rebate on the premium, the rebate is not guaranteed to be proportionate to the time left on the policy, this mean you will not end up paying for something you have not used, so that mean after 5 years or so if you decide to redeem the loan early if you don’t make a claim on your insurance you are entitled to a rebate. Also see attached insurance doc's from Central So again the question is,is it central I go for or Paragon ?? Cheers :grin: WLG

Thanks For that Night Owl,some great advice on here ,I simply couldn't have gone this far without it. Yes you must,the more of us put the pressure on the better. Cheers WLG

Spot on Thanks PF Lets see what we get back from these first and then I will porceed with the non compliance to paragon. Thanks WLG

Cheers PF. Ok Guys what you think,does it sound about right for a broker ? Cheers WLG Central Capital Austin House Stannard Place St Crispins Road NR3 1PX Date 8th JULY 2009 DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST Dear Sir/Madam Name: XXXXXXXXXXXXXXXXXXX Account No: N/A In October/November 2005 you (Central Capital) acted as a broker for me and my wife (Named Above) for a loan we took out with Paragon Personal Finance. I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan account I have with Paragon Personal Finance. Please supply me with a complete list of transaction between yourselves and paragon finance relating to my history with your organization, INCLUDING Loans payment protection insurance and other products. I would be grateful if you would provide the following you have held with your organization: -Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same. - A complete list of all transactions between your organization and Paragon Personal Finance. -Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. -Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me. - Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data. -Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations. -Copy of the needs and wants questionnaire/customer duty of care questionnaire. I enclose a cheque in the sum of £10 to cover your fee. IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION. I look forward to hearing from you in the first instance of receipt. Yours faithfully

Hi aa Thanks for that. I agree I think I will hit them with a none compliance and ask them for more info based on the above you have provided. I have also noticed they have not sent me any correspondence between Central Capital and Paragon with regards to myself and my account,which I would have thought they would have to,taken that there was correspondence which im sure there was.I think I will hit Central Capital with a SAR as well and see if I can trip any of these two up. Cheers WLG

Hi aa Please see above numbered 1 to 7 is everything I received along with the letter below that. Cheers WLG

Hi aa Sorry not been around for a while,been very busy with other things. Anyways things have cooled down now for a while so I should be able to give this my attention again. When you said in your last post: When I get this info and check up and I will probably advise you to submit a formal complaint to the Information Commissioners Office for Paragons failure to comply with the Data Protectection Act 1998. My question is ,is there anything specific they are not suppling me ? Also with regards to the Complaint with the FOS for the mis-selling of PPI,do I just send them a letter and all the correspondence between me and paragon so far ? Cheers WLG

Hi Glennyw and Mey Yes Glennyw sounds like you have received the same letter as me,I have only one document from Central Capital (Broker) see post 20.But paragon did not come forward with that I had it in my own files,so dont hold your breath in receiving anything like that from paragon. Yes pursue your claim.I am currently trying to put a letter together to reply to paragons patronising letter,but with other commitments its dificult at the moment to get my head round it. If you have not already,read my thread there is some very good advise in there. Also start your own thread that way you will get some very good advise from the guys on here. Regards WLG

Hi aa Is there a standard letter to get me going with my complaint to the information Commissioners Office,if I go that route ? Thanks WLG