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magiciansgirl

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About magiciansgirl

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  1. Didn't need to do a spreadsheet as it was a straightforward claim and once I'd got the SAR I knew how much to claim, having paid off the loan itself in 2007. 8% interest on the PPI offered and accepted, also rebate of interest on the PPI paid so am satisfied. Will comment again when cheque received. Kind regards, MG
  2. Hi all, and Happy Christmas! Just wanted to report that Canada Square have now upheld my PPI claim (I started this thread). It has taken this long because they wanted proof of address before sending the SAR, then again when I had submitted the claim; moving this year may have been the reason but I did hint that I thought asking twice was a delaying tactic. after I had adapted a template letter to my circumstances they sent a questionnaire, and I took the advice on here and filled in the FOS one instead. Finally, in the week before Christmas they wrote to sa
  3. Thanks, gentlemen! I feel encouraged and supported. So I won't admit to them this has all come as a surprise.....and don't worry, I won't take a phone conversation. I feel they must have ticked boxes without telling me, as I did know what PPI was earlier than 2007, and I'm not daft. (Well, a bit stupid to have shredded the paperwork - heigh ho - thought I was safe to do so 5 years after settling up). I've managed to find how much I paid off in 2007 by looking at bank statements online, and it was over £8000. I wouldn't have taken on a loan larger than £5000 in the first place
  4. Hello All I would be grateful for some advice. Out of the blue, I've received a letter from Canada Square Operations saying their records show I purchased PPI with an Egg loan. The loan was actually to repay the balance on an Egg credit card and the loan was suggested to me over the phone. I don't recall filling in a form. I can't remember the start date, but I settled the balance in November 2007. They've included a questionnaire for me to complete if I want to make a claim. My problems are: 1. I had no idea PPI was involved, and I understand from other threads
  5. Hello, would be grateful for some advice here. My boyfriend recently did 57mph in a 50mph zone on the M1 in Yorkshire (roadworks) realised what he'd done and wasn't surprised to get a penalty notice. He's opted to do a speed awareness course rather than the fine and points. Then, and this was a complete surprise, he got a second penalty notice from Derbyshire for a week later, also a really marginal over the limit. South Yorkshire Police have sent his details to the awareness course providers, he's registered with them to do a course re: the M1 incident before September 2nd. T
  6. I wouldn't bother with a solicitor unless you have legal insurance cover. But here's a tip. I was lucky enough to be able to redeem my Blemain loan recently but their figures looked too high. So I took a copy to Trading Standards. They wrote just one letter to Blemain and then my early redemption charges were waived completely; nearly £2000. This is roughly the amount I thought they were overcharging so I didn't pursue it further. But they then did send me a breakdown of the figures which they earlier had not done. Trading Standards cost nothing; you should be able to find them via your
  7. Update for anyone interested. B got back to my solicitor and they have waived the ERC entirely! Have not provided breakdown of admin charges as requested though. Trading Standards recommend paying to get the charge off, reporting them to the CCTA and FLA for not providing complete breakdown but saying without prejudice etc and not accepting the figures. Other advice a bit too confidential at the moment.... Kind regards, MG
  8. Thanks Frettful. Well, we applied for the figures a while ago now..... had to push to get them as per. I know the charges are mostly what I was expecting (if unfair etc) since I winkled a complete breakdown of charges to 31/10/08 from Blemain a year ago, when disputing their insurance charges. I have not incurred charges since. I also think I can see where the errors are as I believe they have added legal fees in twice. HOWEVER good news, I rang Consumer Direct yesterday, and Trading Standards in Glasgow will go through the figures with me, as soon as tomorrow. Not all T
  9. ooops was trying to edit not resend.....sorry people:roll:
  10. Okay, 58 views and no comments. Beginning to wonder if someone on another thread there is very obvious answer to my question which people think I should have found myself. In truth have done a vast amount of searching with no luck. There used to be a FISA calculator but it's gone since they closed up. Am genuinely in need of help as my solicitor is dealing with the sale of the property as a priority - we are trying to complete a week today - so I want to give him chapter and verse and then let him attack them. I'm not wealthy, I've had a lot of bad luck, and the need for the loan
  11. kay, 58 views and no comments. Beginning to wonder if someone on another thread there is very obvious answer to my question which people think I should have found myself. In truth have done a vast amount of searching with no luck. There used to be a FISA calculator but it's gone since they closed up. Am genuinely in need of help as my solicitor is dealing with the sale of the property as a priority - we are trying to complete a week today - so I want to give him chapter and verse and then let him attack them. I'm not wealthy, I've had a lot of bad luck, and the need for the loan
  12. Hello all - am getting rid of Blemain at last by selling my flat. However I think their redemption figure is wrong. Got it on Friday and my solicitor hasn't commented yet, but I'm losing sleep. Their figures: Balance outstanding under Agreement: £40,399.23 Early repayment charge: £1954.96 (no breakdown showing how this was calculated) Total amount required to settle agreement: £46,73.44 (includes charges which are mostly correct) My figures: Loan amount: £37,838 Loan taken out Oc
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