Well i would like to take this oppertunity to tank those on this site for all the help given. If you are reading this and feel a bit intimidated by the process, plaease just ask for help and follow the advice given. The people are realy helpfull and make everything really easy

update as of 07/04/12 Just recived a final response from HFC stating that due to the evidence he has used, i was not miss sold PPI (despite what the supporting evidence that i sent along states) and that is his final responce. I guess its time to hand it over to the FoS.

HFC at its finest. 'We will send a letter acknowledging your compalin out and you will get it in 5 working days (on monday)'. Call them on friday as nothing has arrived. 'We sent it today, it will take 3 to 5 working days to arrive'. 2 weeks to post 1 letter lol, this is going to be fun.

ahh, my apoligise. Im not used to using excel so i totaly mised the big red NOTES tab lol. I bet if it was a dont press this i would have found it haha

ahh that explains it then... i filled out the top right box myself. Ill redo it and check all calculations again

ahh, was i supposed to do the settlement figure like yours has at the rop right corner?

as far as im aware i jus filled the details in using the combined PPI/Life figures. Is the one you posted, the numbers you have come up with?

ahh ok

hmm, ive got no paper work with anything by that name on it. I have got some paperwork laying out a basic guide on how much i will be charged for each item if i settle the loan before the 48month agreement is up if that is what the SoC is?

i think this is what you mean by SoC the way i reached those figures is by the following adding the total PPI and the total life ins together to get the figure £1158.72 total I then added the total Loan (plus PPI and all interest) and the life insurence (plus interest) to get the total £6372.48 dividing£1158.72 by the total of £6372.48 then multiplying it by 100 gave me 18.18% using the 18.18% of my weekly repayments of £132.76 gave me £24.14 towards the PPI and life per week from the £132.76 the Final Payment was for £3591.10 taking 18.18% of that for the PPI and life gave me £652.86 as the final payment for both PPI and life insurence. PLEASE let my numbers be correct lol PPI thing.xls

ok sir thank you.. my mind has been melted today so i will probibly do that tomorrow then. Im just wanting to know the reigon of what i can expect in return as ive heard that HFC will try to rob you blind if you dont know what to expect in return. Pfft, would never sleep till i did it lol Anyways, ive done what you said and followed what it said in .1 of your signature and here is what ive came up with monthly, i was paying £24.14 for both PPI and the life insurence The settlement bill for them both combined was £652.86. Now im just hoping that my numbers stand up lol

Well ive just gone over the whole thing and even though they said it was part of the PPI, the life insurence is on a different credit agreement and there for is a seperate amount (£790.08). So the combined total amount would have been £6372.48 Will the fact that it is on a different credit agreement make any difference? i know they included the final payment with the personal loan+interest+PPI so i must be incredibly dumb but i just cant get my head around it starting to get somewhere at last! ive narrowed it down to the reigon of £88.93 (after calculating the intrest on the loan/PPI)

yeah ive already sorted out the PPI final lump sum ( on the previous page). Its the life insurence policy that is the problem as i was paying £16.46 per month for 3 months then it was settled with the final payment. I just dont know what the final payment was for the life insurance.

Well ive made contact again with the company (beneficial finance) and now they are trying to say that the place i took the loan out from did not exist, dispite me having all the paper work with letter heads on and its on the loan agreement. They are also 'unable' to tell me how much of the final settlement went towards paying of the Life insurence so ive got no clue how to work that out by using the spread sheet

ok sir, using the spread sheet i entered the 3 PPI payments of £7.68 which were made as normal. Then using the calculations i woked out that 6.6% of the loan was for PPI. Using that combined with the final settlement of £3592, came up with the figure of £237.072 as the final amout of PPI that was payed when the acount was cleared. However, i have no idea how much of the insurence policy(life) was included in the final settlement so my figures are a bit off. Also, with regards to the 8% simple interest on the spread sheet that u add up till the date it is resolved, i am abit hazy on that subject. For the Final PPI settlement i got the figure £237.072 then says elapsed (1580) then the amount of interest is £82.38. Is that all i need to do in order to work out the interest or do i need to tally up all the payments made ( using the spreadsheet) then add 8% interest to the total figure?