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  1. Hi Hellhasnofury, To answer your questions, I'm using the copy of their copy of the agreement that's on photobucket. Need the amount borrowed - £7,000 cost of ppi - £25.06 per month total charge for credit - sorry no idea, was never told interest rate - 22.9 amount payable each month and the lenght of the term ie years months - 164.32 for 120 months I'm not at home at the moment, I work away from home, so don't have access to my documents, but I'm sure that the copy of the agreement they sent me is dated BEFORE the copy I have. To try and explain, when we took the loan out I think we changed the amount from £7,000 to £7,500 and this needed a new loan agreement to be drawn up. I have the agreement for £7,500 and they have the agreement for £7,000 which was not the latest agreement that we signed. I do hope this helps.
  2. I requested a SAR well over 40 days ago and have not receivied it. What can I do now.
  3. Update ... it's been well over 40 days since the SAR request. No response. What do I do now.
  4. Hi Paul, I have a letter which says "... the company propose a capped term balance of £7,000 to be paid back in monthly installments to release your liability ...". I have a written note I made saying " Total balance. No interest! As long as payments are made." Thanks.
  5. Hi, I forgot to mention also that the interest was frozen when I spoke to Paragon a while ago and I believe that this has not happened and that the interest has continued to be added. Thanks
  6. Hi, They did spell my middle name wrong. I'm expecting the SAR to arrive eventually. see this thread - http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/148395-payment-protection-insurance-paragon.html Thanks. http://i300.photobucket.com/albums/nn26/alex008_2008/ParagonforCAG01.jpg
  7. Hi, Sorry about that. I've put them on photobucket. http://i300.photobucket.com/albums/nn26/alex008_2008/ParagonforCAG01.jpg and http://i300.photobucket.com/albums/nn26/alex008_2008/ParagonforCAG02.jpg I think that should work. Thanks Alex.
  8. Hi, Well I received this in the post (photocopied onto the reverse of a letter head graphic of Paragon Car Finance) yesterday. Can some one please enlighten me further as to what to do now ... I've attached a zip of the doc they've sent me Thanks. Alex008 CCA from Paragon.zip
  9. I've tracked the letters and they were delivered on the 19th. By my calculations I should expect to hear things by the 7 July, thats 10 working days + 2 spare from the 20th. Have I got the timings correct or are they off? Thanks
  10. aa Sorry, I have been paying the PPI since Nov97. It seems that I have to wait for the CCA & SAR. Still not sure about changing the PPI without the signature of the other person though ... Thanks ...
  11. Hi Q1 - the £25.06 payment are for PPI it has been since nov 07 as this was when the loan began. I'm still paying because ... I'm not sure why. Paragon say I still have £9,700 odd left to pay (see this link if you'd like http://www.consumeractiongroup.co.uk/forum/general-debt-issues/148293-paragon-finance-enough-enough.html) Q2 - what I'd like to change about it is to cancel it.
  12. Hi alanalana I've sent a SAR today to get more info but I've been paying £25.06 since Nov 07. I was informed that the payments were optional, but not that I could go elsewhere for the protection. They made me feel I had to take their protection plan in order to get the loan. Quick question ... The loan that the plan is attached to was in joint names, although I am the only one insured on it, can I amend the protection without the other signature of the other person as we are no longer in communication with each other
  13. Well ... The CCA and SAR has been sent, I've put in the diary. I'll see what happens. Thanks everyone ... so far!!!
  14. Hi All, I have a situation with Paragon and it's in the General Debt forum, But for PPI information I've been told to post here ... I took out a loan with Paragon some 10 years ago and believe that I was mis-sold the PPI at the time. How do I work out how much I should be looking to claim back or have I got the wrong idea? Thanks
  15. Thanks for your help. This site is so useful, one of the best aspects of it are that I've found other people that are in the same or unfortunatly worse cases (not that finding others in trouble is good ... hole, foot, dig and mouth). Can some one tell me about PPI as I've also been paying that each month? Thanks.
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