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  1. Hi I have a credit card with abbey/santander dating back to 2007, and have just found out PPI is attached to this credit card. What are the first steps, I sent off for copy of credit agreement, which I now have, but it doesn't state much really. I know the limit on the card was £2,000 The APR was 15.9% (Variable) I know I have had many late payment fees added to this account at £12 a time, but I'm stumped as to working it out. What can I claim back? Can I claim back the interest and late payment fees and PPI? Any advice is welcome.
  2. Could a mod delete this thread for me please. Many Thanks Vonn
  3. Hi DJ How much would the settlement amount be going by Sept 04? Also the 8% on top, Because I don't have a clue. Thanks
  4. Here is the info on the Abbey Loan again dj. Loan Amount - £10,000.00 interest - £4,072.64 Total Amount Payable - £14,072.64 96 instalments @ £146.59 Monthly Premium - £31.05 Total Monthly Payment - £177.64 APR - 9.4
  5. Hi dj Your settlement date was: Nov 04. Settlement figure was £834.77, plus 8% interest. Their settlement date is: Sept 04, so what would the settlement figure be for that? Plus, I need to add 8% stat interest to it. (Which they have not taken into account) Could you do a small spreadsheet which I can produce to them as I am declining their paltry offer, what a cheek! Thanks.
  6. Hi dj Just had an offer from Abbey for £466.79 not £1726.65 that I had hoped for Not sure quite what to do now, they say "This offer consists of £310.00 as a refund, representing the payments made in respect of the PPI from 13th January 2004 (the date that the first payment was taken after your loan was set up on the 06th December 2003) to 13 September 2004 (the date that the last payment was made, when you repaid the loan in full). It also includes £156.29 in respect of interest payable over the same period. The PPI was added to the loan on a monthly basis which meant when you repaid your loan in full on 13 September 2004 only one months premium has been included in the calculation. Then they have a box with the following iformation in: (A) Total monthly premiums from 13 January 2004 to 13 September 2004 = £310.50 (B) Interest1 on (A) to 31 August 2010 = £156.29 © Total premiums + interest (A+B) = £466.79 Do you remember the workout you did for me, (attached) could you just ammend what they are on about and tell me what your total amount is please dj. I just know their figure is not right and their trying to bamboozle me, I don't think they have taken the settlement figure into account either? I would rather go with what you come up with, but don't know how to explain it to Abbey. Attached, is what you worked out from my agreement: Thanks dj. ABBEY LOAN - Charges-calculated - dj.xls
  7. Hmmm, I smell a rat here, is the fact that the broker box is empty the thing I should be going on? It is secret commissions isn't it? I have a letter from GE stating that Bespoke are the one's I should be contacting, despite the company being dissolved. GE has now committed themselves that they did indeed use a broker (Bespoke) unknowingly to me. Obviously GE paid Bespoke a fee, and that fee would be added to my APR, but I was not informed about this, I had no idea this went on behind the scenes, how unlawful is that! Firstly, why should I pay Bespoke, their business was with First National, not me, I didn't know jot about them. By GE adding the charge to my APR, that's how they are able to disguise the fee. I have asked the FOS to check the legalities of my documents, but what should I be doing in the meantime, any ideas? I don't understand how I have 3 CCA's, one green, one yellow and the official white one, broker boxes on all are blank! Surely, that is proof that information was not dislosed to me and that is secret commissions. Any thoughts!
  8. dx Just been looking through my agreements, I have 3 copies: 1 white 1 green 1 yellow The white is the one I posted up for you, the green one and the yellow one has 2 different amounts? One says £20,000 loan and £3,000 PPI, the other says £20,000 loan and £5,400 PPI? What's all that about?
  9. Hi dx Don't know if this helps, but this is an identical version to my agreement, the only difference is, the broker box here had a name in (I got rid of it) and mine is blank. Any thoughts on what my next step should be? Doc_first_national.pdf
  10. No, the FOS had my letters/documents for a few weeks, then wrote to me to say, GE were not regulated by either them or GISC. So, I sent another lot of info last week asking if they would go another route for me i.e. Underwriter/Broker. Vonn
  11. Hi dx Yes, I did send all to the FOS as a formal complaint, I wondered why it said Abbey too. I think it means, that because it's a secured loan and Abbey are who my Mortgage is with. lol. Any idea where to go from here? What do you think about the legality of the form, broker box is empty and there's no evidence of commissions paid to anyone, but GE told me to contact Bespoke? Vonn
  12. Hope this is OK, 3 parts in total. Doc1.pdf
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