I have been asking for help for one year

pLEASE HELP ANYONE THAT IS THERE, I HAVE 399 MINS TO PRINT FRMS, IS IT AN n1? HOW DO i WRITE IT LIKE A POC?

Beyond Thanks for your PM, but a bit lost as how to proceed, and time v fast running out, being evicted on 27th april, so if i can lodge claim, then judge can see what may bbe forthcoming, and help out, what do I need to do?I wiorked out the PPI reclaim contractually but I need someone to check over.

Hi Ozzy Thanks for looking at this, The loan was paid off early - settlement figure. I have made a claim for PPI which they have admitted was Mis Sold, however I wanted to claim the PPI Contractualy, they have said PPI + 8%, as for Contractually Sod Off, can you help we work out what it should be contractually, and if the agreement is out would that have made it unenforcable? I work out the cost of the refund to be: £819.25+ contractual interest at £6298.07 Total: £7117.32 Post was going to help me, but I believe he is unwell. Thanks

Sorry to post on here Beyond, but did you get my agreements back in Dec? Have just sent a PM with the details, sorry but I am in desperation fighting for my life now - roof about to go 10 days to cardboard city:(

Thanks Enron, I have it in writing and by voice following a meeting with Head of Customer Services that the account would not be sold off, however they said this about my egg loan, and I caught them selling on to DLC, and it was swiftly sent back to Egg, I was also then told that the CC account was in the process of being charged off, again, when I confronted them with this, they apologised and said must have been a mistake, and not to worry, so yes they say one thing and do another, they have actually given me full breakdown of all charges etc, I just need now someone to help me write this POC. I have been on this site now for 12 months and I'm still no further forward, I loose my apartment in 2 weeks, unless I can get these Poc;s in to court this week, to enforce wehat they already admitted they should not have done, after me taking them to the fos, but they hust want to deduct the charges from the card/loan balances, leaving me still in hardship, and worse off. I have the full SAR and I kept all my own statements, but they have no agreement, they were given LBA long ago, I served them with a 10/12, have informed ICO, and put CRA on Notice nothing making any difference, I paid my agreeded £1/month for a further 2 months after I legally had to

If you send me your email add , I can email you the spreadsheet, as it looks abit confusing here but I would go for contractual, of £927.43 +£18,599 Loan Details (From agreement) Actual Costs (Over full term of loan) Loan Amount £3,500.00 Total True Cost £7,893.00 PPI Premium £927.43 (A ) Total Interest £7,893.00 Total Loan Annual Int.% 40.56 Apr% 51.7 Annual PPI Int. £376.17 Monthly Int.% 3.380 Total PPI Int. £1,128.50 No. of Payments 36 No. of Years 3 Actual Costs (So far) Monthly Payment £219.25 Monthly PPI Int. £31.35 No. of Months Paid to Date 5 PPI Interest Paid to date £156.74 Settlement (If applicable) Settlement Figure £3,500.00 PPI Kept by Lender £- Settlement PPI Rebate £927.43 >>> Actual Settlement £4,427.43 What should be refund£927.43 Statutory Contractual Total Paid £1,052.83 £1,052.83 Total Interest £468.10 £17,546.31 Total Refund Required £1,520.93 OR £18,599.14 Date Calculated: 14/01/10 Statutory Interest (Simple) In Respect of: Date Incurred Amount Days since Charge Interest Rate Applied (APR) Interest on Payments Made Total Owed PPI Premium – Loan No. 1 20/06/04 £927.43 2034 8.00% £413.46 £1,340.89 PPI Premium Interest – Loan No. 1 - Month 1 20/06/04 £31.35 2034 8.00% £13.98 £45.33 PPI Premium Interest – Loan No. 1 - Month 2 20/07/04 £31.35 2004 8.00% £13.77 £45.12 PPI Premium Interest – Loan No. 1 - Month 3 20/08/04 £31.35 1973 8.00% £13.56 £44.91 PPI Premium Interest – Loan No. 1 - Month 4 20/09/04 £31.35 1942 8.00% £13.34 £44.69 £1,052.83 £468.10 £1,520.93

Let me plug in the figures for you, when I did it for a different company but same scenario I was a bit taken aback at the figure, but it was correct. Give me30 mins

Are you using the CAG PPI XLS calculator to work this out, it is really straightforward. As for Citi, watch them, they take everything to the final point, and then roll over. I had to write to Vikram Pandit in the USA before they acknowledged my complaint, its been through FOS who found them guilty, still negotiating direct, and they have stalled. I am trying to now enforce with a court order. Who are you dealing with? All major stuff now goes through Derby

Sorry to post here, but how do I send a PM to Bankfodder, as it won't go through as the inbox is full - have litigation questions etc in same vein

Watch them like a hawk, I have been through FO and now negotiating direct with them, strange things happen, and they try and make out all the time they are right and I must be mistaken- they will also terminate your account, and charge off the account yet still chase you for money

Good morning to you all, Can someone clarify for me, what I can claim back other than overlimits, unpaid dd, late charges, can I also claim the following: Interest at for example 1.240 per month is on one statement, each month is different amount Also cash interest at for example 2.6% I will be making claim for contractual interest - no where can I find an apr, i just have as I say the monthly amounts.... Also which spreadsheet should be used for calculating this, as there are quite a few. And are there nany up to date POC's? SAR request and CCA not sent, followed by LBA still n othing, have been paying £1 a month, but stopped, they terminated account back in July as they advised they would not be renewing my card, but then followed by arrears , default notices and again another We have terminated your account in Dec, how can it be terminated twice? Advised account in Dispute, yet still call, write etc, have now put CRA on Notice Many thanks

I should be on after 3pm, I appreciate you are trying to cover my back and help me there are other circumstances, is it better maybe for me to send you a PM?

I appreciate that, I just need to lodge the paperwork, if you cannot help, could you point me in the right direction. If my papers aren't in I won't stand a chance, also I have another case pending court date 29th Jan, and if I can prove funds coming, then I can uise it to help me a: get an adjournment or b: show the court that I am due funds

Will you be online much today, I need to dig it out, Its the acknowledgement of service I think, with my response, basically I received the claim form from CL Finance and I have to respond, came from Northampton. The contact details may I send you a PM a little later, again I have to go through - 15 files

Are we still requiring email addresses for Welcome? I have for Compliance, Complaints & PPI Refund Team if it helps

Good Morning, and Happy New Year to you, how is the leg? I understand what you are saying, however is there anything I can lodge in court to force their hand? The legal counsel and CEO of Cattles ignored my communication before Christmas, explaining situation and giving opportunity for redress

Not sure if tthis will help at this late stage, but do you need the contact details for the Data Compliance Person at Santander Cards? I have name, number and email, also for CEO of Santander's office but tro be honest, they just feed you waffle, for weeks, and do nothing I also in same situation as Mrs Ski, my Response against CL Finhance has to be with the court tomorrow, and to be honest, I have no clue what /how to fill out, or what my response should be, My SAR was incomplet Do I set up a new post, and link tio this? Can you help? Thanks Officejet1000

U would like some advice on what form to use, I wish to make a claim against my bank, but also within the bank group they have other companies, that I also had products from, loans, credit cards. I have been dealing with one person at the bamk for all products and companies, the FOS found them guilty, and since taking over the negotiations hI have moved a fair way, however we are now at stalemate, and I would like to lodge in court to force the claim through, as they keep avo8iding certain subjects, is it just an N1 form? money , distress, human rights, data processing, etc?

I dont think its relevant, they already made the offer , and admitted mis sellimng, they offered in full less the rebate at the time, + 8% however I had asked for it contractually, and so I then went back having filled out the CAG PPI XLS and asked for the new amount when they then said no9 to that, and to go to FOS if wasnt happy. its the second loan I didnt haver ppi on, they messed up the paperwork, and never issued me with new agreement, and stated tat London was in Surrey, in addition from 1st loan I was due an amount that was paid into a suspense account and then they nwever repaid to me,

I already have, I made rthe complaint first, the complaints dept, split it in 2 sent one to PPI reclainm team and they were dealing with complaint, PPI came back and made offer, I counter offered, complaints came back and said they have dione nothing wrong, which is why today I made formal complaint to the chairman and legal counsel fior cattles

Hello, I believe you are the expert on Welcome. Thanks for your post, I believe I just made a complaint saying I had been mis sold, it wasnt explained to me properly, and I requested a refund contractually. They said yes made4 offer as before, then I said its wrong, and they said no way go to FOS, today I issued a letter to Margaret Young, and Roland Todd at Cattles asking them to look at it, and I would enforce through court and if be issue a winding up procedure - how do I enforce

Have contacted Welcome re the offer of PPI refund, and requsted, payment contractually. Using the CAG PPI Calculator Requested refund of 966.69 + Interest 5331.38 was at 32.5% from sept 04 Total: 6298.07 They refused point blank, and said if I didnt like it to take to FOS. I do not have time to go to FOS, what can I lodge at court to get them to pay up?

Hello, Just saw your post, I am in a similar position, my court date is 10th Jan 2010. I panicked at first, but then I called Community Legal Service, and they have a department that deals with advice on this, I was put through to a lawyer called Cait who was absolutely amazing, she talked me through the whole process, step by step, what could happen, what may happen, and what to do if I wantd to stay in my home. Like the others say its up to the judge to decide on the day, given the facts and figures, and so long as you are showing wiling, and doing your best , the judge will take a fair view. In addition the advice I was given was to try and get the arrears amount below 50% of what is owed before the court date, and it should then be taken out of court - I think thats is what she said. Am I allowed to give company names and numbers on here? Also the other great place is Shelter they talk you through andreally help you, and make sre whatever you do, register with your local council for housing now, just to be on the housing register, then you can advise you may become homeless, and your local council have a dept that will help you and ensure you do not become homeless, they are not allowed to by law. Hope this helps.

Hello, Just saw your post, I am in a similar position, my court date is 10th Jan 2010. I panicked at first, but then I called Community Legal Service, and they have a department that deals with advice on this, I was put through to a lawyer called Cait who was absolutely amazing, she talked me through the whole process, step by step, what could happen, what may happen, and what to do if I wantd to stay in my home. Like the others say its up to the judge to decide on the day, given the facts and figures, and so long as you are showing wiling, and doing your best , the judge will take a fair view. In addition the advice I was given was to try and get the arrears amount below 50% of what is owed before the court date, and it should then be taken out of court - I think thats is what she said. Am I allowed to give company names and numbers on here? Also the other great place is Shelter they talk you through andreally help you, and make sre whatever you do, register with your local council for housing now, just to be on the housing register, then you can advise you may become homeless, and your local council have a dept that will help you and ensure you do not become homeless, they are not allowed to by law. Hope this helps.