Thanks dx

Yes the roll over was taken into account with interest .

Thanks for clearing up the statue barring situation you learn something new every day

Tonks

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

Tonks

Thanks ims

I shall write and ask as Slick suggested , I do have all the statements but dont think I could work it out

bit over my head !!

Many thanks

Tonks:-)

Hi ims

Have put in an average of 24.9% which brings the total amount within a few pounds of the refund which

has been awarded .

As the fos sheet does not do the simple 8% interest how do I work that out please .

Tonks

Hi ims

Thanks for looking in ,

I have all the statements , have changed the date to August 08, what APR do I use please

Tonks:-)

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

Tonks:-)

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

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

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

Tonks

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

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

Thanks

Tonks:-)

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 !

Tonks:-)

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

Hi all

Could some kind person please tell me the top man at Black Horse Finance in Cardiff

having lots of problems with them and dealer .

Many thanks for looking

Tonks

Hi all

Could some kind person please tell me the top man at Black Horse Finance in Cardiff

having lots of problems with them and dealer .

Many thanks for looking

Tonks

Hi phatram

I would wait to see their hand before doing anything , if things have not changed for you, and your

finances what more can you give !! Blood maybe .

wishing you well

Tonks:-D

Hi gf

Hit the triangle to alert the site team to advise you, not a lot of peeps around

at the moment

Good Luck

Tonks

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 !!

Tonks:-)

Good Luck phatram

My case is the same as yours , just waiting for the fos to uphold my PPI claim, then like you

use the unfair relationship back in court .

Tonks

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

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

Tonks

Hi ims

I think you missed me could you please change the title to WON

Cheers

Tonks x

Hi Guys

Update :

Sent back the cheque asked for it to be changed to another name ,

took 10 days but Bingo its in the bank now .

Many thanks ims xx

Tonks

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 .

Regards

Tonks

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