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About bunkbed

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  1. Thanks for the reply. How do I find out who they are/were?
  2. Hi I sent off the 3 letters for PPI, Buildings Insurance and Charges. They've come back saying that as the loan was sold via a broker any PPI mis-selling should be directed to them and not Together. The broker is no longer trading (looks like they were disolved in 2009). They suggest I contact the Financial Services Compensation Scheme, is this the only way forward? Thanks. BB
  3. I've received a reply from Cohen's. It contains a few Notice of Assignments, but no agreement or default notice (both of which were mentioned in the particulars of the claim). Will see what now comes back from Hoist.
  4. I'm afraid not, I presume since it's dropped off my credit file that it was defaulted over 6 years ago, but no idea when the last payment was made.
  5. My next steps are these? :- 1. Use MCOL to say I'm doing to defend the case 2. CCA request to the claiment, do I still need a £1 postal order? 3. CPR 31:14 request to the solictors The date I have to file my defense by is 5 April 2019?
  6. Name of the Claimant ? Hoist Finance UK Holdings 1 LI Date of issue 27 Feb 2019 Particulars of Claim 1.This Claim is for the sum of $XXXX in respect to monies owning under an Agreement with the account no XXXXXXXXXXXXXXXX pursuant to The Consumer Credit Act 1974 (CCA). 2.The debt was legally assigned by Hoist Portfolio Holding Ltd (Ex Barclaycard) to the Claimant and notice has been served. 3.The Defendant has failed to make contractual payments under the terms of the Agreement. 4.A default notice has been served upon Defendant pursuant to s.87(1) CCA. and The Claimant claims. 1. The sum of £XXXX 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?Yes Did you inform the claimant of your change of address?Yes What is the total value of the claim?£6700 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Credit card When did you enter into the original agreement before or after April 2007 ?Before 2007 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?Nothing on Clearscore Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.by the debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?Yes Did you receive a Default Notice from the original creditor?Don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?Don't think so Why did you cease payments?Money problems What was the date of your last payment?Before 2015 Was there a dispute with the original creditor that remains unresolved?No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?I was in a debt management plan around 2010
  7. Yes the mortgage is still running, though I'm not making any payments and they are still adding interest on every month. Thanks for being patient, I'll do the spreadsheets tonight Just to confirm my maths, the total of all upfront charges was (these were Broker Fee, Legal Docs, money to me) = £11788 PPP Insurance = £1739 So total loan = £13527 PPI % of total loan = (1739 / 13527) * 100 = 12.86% Monthly payment = £177.27 So every month I can claim 12.86% of £177.27 which = £22.79 and I claim £22.79 on the stat int spreadsheet for each payment I made?
  8. Hi The PPP was a single PPI payment they said I had to take at the start of the loan.
  9. Good idea, it comes out at 10.05% which I'm going to round up to 10.1% as the lower rate was in place for 273 days and the higher rate for 4126 days! (I'm a kind person ) Can I put the house insurance on the same document? Thanks.
  10. Here are the files I've created. I've done 2 are there are different interest rates. The 2nd one has the values for the PPI and others to calculate the interest but they're not being included in the total charges. Is this the correct way to handle the two different rates? The rate changed on 29/07/2007 Should I put the buildings insurance charges in as well? Thanks. FosCISheet v101 9.8% - No Buildings Ins.xls FosCISheet v101 10.3% - No Buildings Ins.xls
  11. Yes, got a SAR/GDPR request back from my insurer at the time and it shows there was a policy in place on the date Blemain added their insurance, and had been in place for the previous 5 months (and the previous years). Ah well! This were charged at the start loan. I'm not sure which of the 4 spreadsheets from here I should use to deal with the interest part of it (not the 8% simple interest bit) Blemain were charging 9.8% and then 10.3% monthly on the total balance, am I allowed to claim this extra interest they have charged? I'm guessing they will have charged interest on these as well which spreadsheet should I use calculate? Can I then charge 8% simple interest on top of all this? Thanks.
  12. Hi Got the SAR back. The only documents that refers to the insurance a - The account statement that lists all transactions for the whole loan b - A kind of account log (that lists everything associated with the account, i.e. letters, phone calls etc). In it there are 2 enties saying a letter "-- BUILDING INSURANCE LETTER 1 SENT" and "-- NO RESPSONE TO LETTER 1 - LETTER 2 SENT CHARGE £xxx I've received the SAR from Blemain. The insurance premium is referenced in 2 docouments 1 - A complete account statement (i.e. over the whole life of the loan). 2 - A kind of account log (list phone calls, letters, charges applied etc) On the 2nd document here there's 2 entries for a letter being sent for buildings insurance, which I never got. e.g. "-- BUILDINGS INSURANCE LETTER 1 SENT" There's then an entry saying "-- PLACED ON BLOCK POLICY ON xx/xx/xxxx for £xxx - PREMIUM = £xxx INC £xxx ADMIN" There's no document showing the insurance or which company it was taken out with. Then 1 year after I must have got a letter about the insurance as I sent them my own policy. They never asked for any insurance documents in the following years of the policy. ------ I've done through the documents and these are the charges/payments I'm not sure about Buildings Insurance Broker Fee Legal and Doc fees PPP Insurance (which was only valid for 3 years). Charges for letters Charges for phone calls Settlement Quote charge What's the next step forward? (they keep adding on interest charges) They also claim in the SAR response cover letter they only started to save outbound correspondece in 2011, so letters before this may have not been provided. How convinient
  13. I'm pretty sure it didn't list it as a seperate item, from what I remember from the SAR I did, the charge was added in the first year of the loan Yes I did get the SAR, but can't find it now
  14. Hi I'd come to the end of my loan period with Blemain and they reckon I still owe them over £7000!! I rang them and it seems the balance is made up of a charge (house insurance) that was added at the start of the loan and it's been accruing interest all these years. I can't remember agreeing to this and I've always had my own house insurance and wouldn't have taken out any through them as it would have probably been a silly price. All this happened last year and I've kind of buried my head in the sand, and I received a letter last week saying they are still adding charges on every month, and my wife is getting stressed that I'm not dealing with it. I previously did a SAR, but can't find the documents they sent.Can I do another SAR? I'm pretty sure the documents didn't include anything about house insurance being added, I presume they should be able to produce it? Thanks. BB I've been through other threads on here and it looks like I should to a SAR to Blemain/Together, is this the right thing to do?
  15. Defence submitted via email, fingers crossed it goes through ok.
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