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  1. Another load off. You must let me send you a tenner for a pint!
  2. Ok. I agree with their assessment of arrears. What about any other (non HsBc) debts? Nothing to do with them ? No IVA's or bankruptcy just debts under dispute.
  3. I have been given two options. Pay the remainder off my loan, or let them do a credit check to restructure my loan and pay into my account. Can they take into account any of my other debts (disputed or not)?
  4. I believe my overdraft is the arrears and it works out about right (pennies)
  5. I received my offer today. £5562. including interest of 8%. I'll have to tell the taxman about that!!! However there is a loan balnce less PPI refund which they are taking 946.16 leaving me £4616.08. Is that right?
  6. Thank you for all your help. I have clicked the star and commented.
  7. So I don't get any of the upfront payment back? I didn't put that in the sheet or anything.
  8. Right 8% on the payments I made, plus the return of the initial premium, right? 5,413.32 & 5945.10=11358.42 Another question if I may. I completed the questionnaire from HSBC websire (its the obudsman one) and sent it to the bank with a letter outlining my reasons for being mis-sold. 1. Told no loan without 2 8 year loan, 5 year protection 3. No options given, nothing explained. 4. Sick pay covers absence for 6 months, same as loan protection! I didn't include any calculations. I have had a letter back - standard one. Thank you for the letter, sorry you had to complain, if you haven't already done so fill in a questionnaire. We will update again in 4 weeks and aim to send full response in 8 weeks. Those reasons are good enough?
  9. Hi, just wanted to check a few things. 5945.10 as a percentage of .25940 is 22.92. I multiply that by my monthl;y repayment (348.5) and get 79.87. I inserted the payment dates and this amount and it autpmatically calculates the simple interest, spitting it out at the top. Monthly Payment of PPI £4,552.51 8% Simple Interest £860.81 Total £5,413.32 That's the correct way of doing it yes? The other bit is 8% on top of my PPI amount so £5945.1 X 1.08% gives £6420.71 totalling out at £11,834.03 They should also subsequently remove that 79.87 from my repayments reducing it from 348.50 to 268.63 I'm just double checking my facts before printing these and keeping them together.
  10. Hi eveyone. I've always thought I was pretty good at maths but I'm giving myself a headache. I have a ppi claim going. I took out the loan in February 2007 Loan Amount £19994.10 PPI £5945.10 Total=[£25940] Monthly Payment £348.50 (started 02-07-07) I've made 56 opf 96 payments to date. The total repayable is £33,456 so interest of £7,516 total I know I should get the £5945.10 back but its the interest thats giving me a headache. I know they allow 8% interest should be given so that would give me £5945.1 X 1.08% gives £6420.71 Is this all I'm entitled to or does part of the monthly payments also need to be returned. I am using the CAG PPI calculator but don't know the Apr%, the Monthly int% or the annual int%. I know I'm supposed to use the details form the Loan details calc in the interest refund amount sheet but I can't make head or tails of it!
  11. I have a Nokia X6 on Orange network. The phone started switching off for no reason and soafter a couple of days I took off the back cover and removed the battery. To my horror the battery connections came away from the phone, attached to the battery. I had it from CPW and so took it to them as Orange care was not available.This was 04-12-2010 I was not hopeful and wasn't at all surprised when they claimed it was due to excessive damage and not repairable under the warranty. The phone is in excellent condition and has never been dropped. There are very few scratches on any of the surfaces. I went to CPW to pick up my phone and expressed my disappointment as I believed it could be a structural flaw. It wasn't a battery issue per se and I believed I could try Nokia to see what their engineers thought, or give them a big sob story to get a replacement. Examining the contents of the returned repair pack I found that they had neglected to return the faulty battery connector.The connector is very similar to the 5800 battery connector. It has now been 10 weeks since I put the phone in for repair and still this part has not been returned. In the absence of it I cannot approach Nokia to get it checked for flaws. There was talk of them sending me a replacement part but as I expressed to CPW, this would be useless for trying to check whether it was a design fault as it hadn't come from my phone. What are my rights? Evidently the phone was not working but now I'm completely snookered and couldn't get it repaired even if I wanted to!
  12. We spoke to Andrew James on Tuesday after settling the council tax bill and agreed a payment plan of £5 a week to pay off their fees. On Friday we got a letter dated Wednesday saying we had failed to pay and they were coming for the car!! The levy had supposedly been taken off the car btw. They denied the phone call and insisted we pay them. Fortunately my mother was the one who spoke with them and had written down all the relevant details etc of the phone call.We will pay them £5 this week as agreed and i will settle the difference next week. (43.50). We also had the council receipts. To answer the other question the letters were hand delivered by B&S. Two visits, the council has taken the debt back so evidently we pay the council for the council tax, will they take on the bailiffs fees or is that like Aj and we pay them seperately.
  13. My partner has just paid the full £144 to the council so that debt is finished. We obviously owe the AJ Enforcement bailiff fees of £48. I believe the levy on the car is no longer enforceable? The other bill has been recalled and payment of £5 a week have been accepted. Are we responsible for the B&S bailiff fees as we have no signed agreement with them, only received 2 letters and my partner has never actually spoken to them.
  14. No that's a list of what's left in the house. The only thing that's been levied so far is the car by AJ. I only wondered if the rest was able to be levied. I also wonder if since we haven't paid her father for the car if it is her's yet. She was on benefits until yesterday, she is currently attending the council offices to try and persuade them to take the debts back. She has the £190 I spoke of with her.
  15. Hi, We have two oustanding bills for council tax. B & S of Blackwood have called twice so far been denied access to my partners home. Afther their 2nd visit the bill jumped from £244 to £261. It was the same guy both times. I have made an online payment of £5 last tuesday and will make another today directly to the council. On the phone yesterday they told my partner they couldn't accept less than £100 before setting up a payment plan. On telling them she couldn't pay that she was told to ring the bailiff who said £75 was the minimum. On the two occasions he called to the home he was very polite to me ( I am a bit of a lump though) although I made clear he wasn't coming in. Yesterday he turned nasty on her and threatened her with prison and coming round to collect goods. We don't have because of the bailiff below. I have tried to assure her this can't happen, especially if she starts paying the council, as they haven't gained entry but she panics a lot Andrew James from Swansea called (I'd only gone down the shop) and after telling my partner he was from the council, (illegally I believe) entered the property and she signed a walking possession noitice on her car. The bill with fees attached was £202.90 (off the top of my head). £11 for levy £15 for attendance £22.50 for something along those lines. She paid £10 on the day and got a receipt so the account stands at £193 (I can't remember the pennies) He has levied her car, she is the registered keeper. Her father bought the car and we haven't paid him for it yet. Since he has levied the car we have remaining in our property. One 42" TV bought by her father with receipt in his name. One other 32" TV on hp from brighthouse along with our 3 piece suite and two telly stands. I believe all of these are exempt. A table and chairs on hp from buy as you view payable via money box we had placed on the 42". We also have a ps3 and laptop in the eldest boys room, a wii, psp, laptop and 19"telly in the youngest girls room, and a wii, psp and ancient tv/video in the youngest boys room. The tv/video is actually the landlords. Can he touch this telly or the kids laptops & games systems? I took photos of them 'in situ' There is a desktop PC that belongs to the company I work for and is stamped to show that. I took photos of this. Other than this we have a cooker, washer, fridge/freezer, chest freezer, condenser dryer, and evidently linen and beds. I believe these are also exempt as she has four children 3,5,11,14. I know they can take the microwave and toaster so didn't bother listing them. My mother has offered to lend the £193 to pay the Andrew James one off but would we be better placed paying the council off directly and paying their fees seperately.
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