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About monyl

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  1. Thank you so much for your reply. This whole saga has been so stressful but at least everything is now coming to a head, just wanted to make sure I made the right decision. Thank you.
  2. Hi dx100uk, thank you for your quick reply. It does show as late on my credit score and its the only negative thing there with late markers and my score is coming up as 'poor'. They have not registered the default as yet, they say they need to do this now to accurately record what happened but I am opposed to this as am not sure of the difference between the two.
  3. Hi, is it possible to get some information on what is the least negative marker to have on your credit file: a default notice or status 6 markers. My account was inherited from Barclays to Woolwich with overdraft and was converted to the old Premier Packaged account. I became unemployed in 2009 - returned to college to study alternative qualifications to retrain etc living off my overdraft of £1800 as I thought it would not be long before I found work but this was not the case. Barclays introduced their aggressive new fee charging system in 2014. To cut a long story
  4. I see. This is good to know. I will try and see if I can find my original letter and send to them in writing and see what happens. Will let you the outcome. Thanks so much for all your quick replies. Thank you.
  5. This is interesting as I was not aware that there was a difference in the PPI claims/calculations. Long story: I asked for this PPI reclaim over 5 years ago. The Woolwich loan was taken out when I had a Woolwich current account. The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan. They had told me that I had provide proof of the loan as they could not locate it. I did the FCA deadline search and it still was not located. As this w
  6. Have uploaded document. I noticed that they were meant to have included some information from Which and Money Saving Expert but it was not enclosed. Thank you. WoolwichLPc.pdf
  7. So according to this calculator my refund should be £4562.96 at the 8%. This is in line with some of the management firms calculator on-line. I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90. Additional interest of £1,436.36 after tax on top of refund as compensation. Statutory rate of 8% from 1 Apr 1993 and at 15% before that. They have not provided a breakdown of payments from 15% - 8%. Only below: £ 469.50 - Refu
  8. I think I have managed this after a few tries. To make sure that I have the correct calculation, is the 'interest at 8% Simple' in Row 20/Column K meant to be £86.95 for £12.15 or I have used the spreadsheet incorrectly? Looking at their letter again, they state they have paid 'statutory rate of 8% from 1 April 1993 and at 15% before that'. Their breakdown does not provide the difference in % from the dates mentioned above. How would this be calculated? Also is the statutory rate paid for the lifetime of the loan only or to the current date
  9. Sorry but the problem was that the document is old and you could not see the figures when photocopied - have managed to do so now. Thank you for the calculator - will try that and see how I get on. I have now uploaded the document. Thank you for your patience. Woolwich-Barclays Loan.pdf
  10. Thank you for your quick reply. Will read asap. I have tried to scan and rephotocopy but as it is an old document, the text is very faint. I will have to take it to a shop and try to photocopy again on a dark setting. Will upload later.
  11. I recently received a PPI offer from Barclays re an old Woolwich loan dated back to January 1989. They previously could not locate this under previous searches prior to the FCA deadline as all Woolwich current accounts had been deleted from the banking system when Barclays took over. They have made an offer of £2,163 but when I put the figures in the PPI calculators on-line, it comes out at £3k - £4k. The APR was 20.5%. Monthly payments were £141.29 for 60 months, the credit agreement does not identify the payments for the loan and insurance separately.
  12. Hi mackem67 This came out last Friday on gov.uk - hope it can help. https://www.gov.uk/cma-cases/covid-19-cancellations-package-holidays Be interesting to know if this actually works
  13. Hi dk100uk, have cut and paste the conclusion below: 'The appellant states that the operator has provided no evidence to confirm that they have landowner authority to issue the PCN. Section 7.1 of the BPA Code of Practice states: “If you do not own the land on which you are carrying out parking management, you must have the written authorisation of the landowner (or their appointed agent)”. Section 7.3 continues: “7.3 The written authorisation must also set out: a the definition of the land on which you may operate, so that the boundaries of the land can be clearly defined b a
  14. Hi everyone, just to let you know that I was successful in winning my appeal at POPLA in October. It has been very stressful and really affected me to the point that the whole thing made me unwell. Thank you all for your help and assistance.
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