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Posts posted by Tonka99

  1. I have just received a reply to my on line request for a refund of premiums paid on a loan taken out in December 2007.

    The loan was a top up from a previous loan ,


    In 2008 I suffered a very big downturn in my business and was unable to pay the loan , it is now statue barred .

    In the letter today it says the account is still active !

    They have sent a cheque today for a part payment and have offset the rest to the debt , can they do this with a statue barred debt ?


    Thanks for looking


  2. Hello Slick ,


    I have just entered all the PPI paid from 2004 - 2008 into FosCI sheet v 101 am not sure what % Apr to enter

    The amount paid with no Interest is £1613.42


    Am on I on the right sheet ?


    I will not now be going for the setaside if Andy says it no good then thats good enough for me !


    Lloyds in their letter say " this represents a refund of all PPI premiums paid inclusive of Interest plus

    simple Intrest @8% for any period where your account was in credit, or from the date of the card being

    closed to the date of payment "


    As your account was passed to recoveries on 07/August 2008 we have calculated your refund to this date.


    Thats what they say , Im really stressed about this and dont need it so would like to get it sorted , I shall write to them

    but I dont think will get much joy with their calculations .


    Thanks for your time



  3. Slick


    I am still unsure as to how to find out the true amount of the claim when I first sent it to Lloyds it was for

    over Five Grand BUT that was in 2011, Im not sure what im doing with the PPI as you have can see!!


    I dont know if I can claim from 2004 up until now , Lloyds seem to think I can only claim up until 2008 which

    is what they have awarded me ..


    Tonks :-)

  4. Hi Slick


    Thanks for that , I have today received A cheque from Lloyds which is what I thought they would do

    get in quick before I caused any trouble .


    I am having great difficulties over in the PPI thread dx has kindly advised but Im none the wiser , maybe

    ims could help .


    Regarding the CCJ & CO they wouldnt have happened if Lloyds listened before we went to court , the Default Notice

    and the amount claimed would have been differant , lets hope somthing can be done I have waited a long time for this

    and am out for blood !!


    I think the PPI is a lot more than what they claim it to be hopefully ims can help.


    Thanks for your time


    Tonks :-)

  5. Thanks dx


    This is for a credit card I have all the statements the pdf in post 11 is only some of it , i must be dumb here

    as i cant work out which spreadsheet to use have downloaded both .


    LLoyds have said in their letter as your account was passed to recoverises in August 08 we have calculated your refund

    as at this date .


    I put in a counter claim in May 2011 who is right here them or me ? they have had my money right up untill today so should

    be paid up to today !!


    Sorry im just not sure what im doing need some help



    Thanks for your time



  6. Good evening


    After receiving Lloyds response which has been with the FOS for nearly two years , Lloyds

    want to pay me £xxxx for mis sold PPI , my problem is I dont know how to calculate the Interest

    because my spread sheet which went into my counter claim goes from April 2004 to August 2008

    Which was submitted to court in May 20011.


    Am I right in thinking that Interest should be paid up to date or am I wrong !



    This has been to court and was dismissed by the DJ , FOS have looked and agree that it was mis sold

    I would like to get the CCJ & CO looked at and if possible removed .


    Unfortunatly my old computor is dead and I now have Windows 8 which I dont have much of a clue how to use !!


    Any thoughts as I only have a few days before Lloyds send me the cheque


    Thanks for looking


    Tonks :-)

  7. Slick


    Total claim with costs @ November 2011 around £10000

    Paid to date £2000 by monthly instalments


    PPI claim they want to repay about £2500


    I am unsure as to the amount for the PPI as I dont really know how calculate the interest !!


    In their letter they say " As our final response ,we are offering you a payment of around £2500 to bring your complaint

    to a conclusion .

    This represents a refund of all the PPI premiums paid (inclusive of interest ), plus simple interest at 8% for any period

    where your account was in credit, or from the date of the card being closed to the date of payment ."


    There is a bit about if any of my accounts are in debt recovery and I would like to use the refund to pay towards the

    debt to let them know






  8. Hi Slick


    Im good thanks ,


    The Court didnt look at my counter claim , and when the FOS guy first got in touch with me he said that Lloyds

    had put in an objection to them looking at the case , however Lloyds have now agreed that it was Mis sold .


    I look forward to hearing what can be done !



  9. Hello


    Well after waiting for almost two years the FOS has confirmed that the PPI was in fact mis sold .


    I have received a letter from Lloyds with a final response to pay me £xxxx , I have 28 days in which to act .


    I am looking for help with where to take this now , I have a CCJ & CO which I beleive would not have happened

    if the DJ had looked into my Counterclaim , and not dismissed it .


    Lloyds knew before we went to court that I had already advised them that I had been mis sold the PPI and it was also

    in my defence .


    I am ready to go for the kill if anyone can help


    Thanks for looking


    Tonks :-)

  10. Hi phatram


    No Im not in a postion to be represented , however over the last four years I have

    been before a few DJ s and have a little knowledge of consumer law , with the help of

    the Cag crew anything is possible you just need to have faith in yourself and your case.


    My case is with the fos which could take a year or more to sort , it dosent really matter to

    me as I have a CCJ and CO which will be paid monthly my time will come !!




  11. Hi ims


    Many thanks for your quick reply , I have read up on the Limitations Act 1980

    I think I have it right , its just that Lloyds have said that anything before 2006 will not be

    considered for refunding , now we know differant more power to our claims , before 2006

    the charges were £20.00 a go .


    I shall put a letter before action together tomorrow.



    Thanks Again


    Tonks x

  12. Hi all


    Question : with charges reclaims can we claim beyond 6 years ?


    I have just had a bog off letter from LLoyds for my husbands Gold credit card


    I wrote to them with a SOC for the total of over two grand all charges plus interest


    they Lloyds have said they will pay a total of £1.00( yes you read it right ) per charge


    plus the fos 8%. total £26.41 Big of them !!!!


    Im now looking to give them 10 days before I file in court


    Will keep you informed


    Thanks for looking


  13. Hi Marty

    Sorry to hear this , I to lost my case and ended up with a charging order , my debt is about

    the same amount as yours, or was until yet another £265.00 added for the CO costs, I am

    paying £100.00 per month and the DJ said it was too long a time for Lloyds to wait

    for their money , yet you hear of people paying just £1.00 per month .


    Anyway its over no more sleepless nights over this one, did you have a forthwith judgement

    or have they agreed to an Instalment plan , best to pay asap your first months payment .




  14. Hi cym , Andy & Slick


    Well what a waste of time and money

    CO granted,

    DJ same as before, d

    idnt see why I should take 8 years to pay off a debt to Lloyds ,


    regarding the N245 he said that I should apply to the courts for my money back as it didnt get heard and he as a DJ is seperate from the court and has no hand in the matter ,


    I did question why HE had agreed to a ICO on the 15th Nov when I had applied for a Vareration Order N245 on the 18th Oct

    he replied well thats because Lloyds didnt respond !!!!!!!!


    have got a Forthwith Order with a restriction that Lloyds cannot go for the sale unless I dont pay the £100.00 a month.


    Now I must wait for the FOS to determine the mis sold PPI issue.


    Thanks for your continued support guys


    A very unhappy Tonks :-(


    Oh and the Rep from Lloyds was the same as last time

    he was given no defence from **** so when we went in the DJ said do you have Mrs Tonks defence to which he replied no Your Honour so we then had to go out again for him to look at it ,

    what a shambles

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