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lincscouple

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  1. wow!!! thanks for that.
  2. Principal being the 6730.00 or 10796.64?
  3. In addition to the above, I am just checking through the spreadsheets and making sure I have everything entered but something has hit me.. On the HP loan, I had down 12% APR but in fact the 12% is AIR, I used the loan analysis spreadsheet to find the APR and it came back as 0%.. The loan has had the interest front loaded so how would I work out the APR on this? Initial loan of £6730.00 and int paid £3501.64. Total loan amount £10796.64.
  4. Everything but, see post http://www.consumeractiongroup.co.uk/forum/showthread.php?378319-Welcome-Makenzie-Hall&p=4422826&viewfull=1#post4422826 also post 42
  5. How do I go about the PPI claim if we don't have any documentation regarding the cover IE policy numbers, companies etc?
  6. Thanks for that, my mind is made up, Im getting it assigned to me, doing the reclaim then see how they want to play. Your mean reclaim on the outstanding and not both, right?
  7. If I were to get her to assign all dealings over to me, would I be able to defend her in court? or would it have to be her or her solicitor? I'm more than happy to keep passing the ball over to them in the hope that it goes to court BUT only if she could be left out of it. I agree that 6K over 10 years is stupid, apart from the fact that a5K would be paid back, the loan would have outlasted the windows that it was for
  8. My partner is a worrier, already on anti depressants, her ex left the country leaving a trail of debt and she is linked to it all. I've got rid of the smaller ones but this is the biggest so far. I don't mind ignoring the damn letters and threats but she worries and frets. I'm also fighting HMRC over WTC overpayment demands but they have failed to act on information recieved and it's their error that has caused over 1K of debt. Local MP is helping on this though. What would be your plan of action if this were you? I am going to get her to assign all dealings over to me so she won't have it to worry about.
  9. Thanks, It is really to get rid of the debt, no need for mortgage.
  10. Hi there, I would think the advice will be to send them an 'account in dispute' letter from the templates library. Also send a 'incomplete SAR' letter. Someone will more then likely be here to help you soon enough, personally I wouldnt pay anything once it is in dispute, they also have to freeze interest I believe. Sorry I couldn't be of more help. Have a look at the various threads on here and you will soon pick up a lot of information. Wishing you all the best with this!! My partner and her ex were paying 126 per month and the interest added was 110 so 15 quid was being paid off the loan! Barmy I know.
  11. The other loan was taken out in his name only unbeknown to my partner, it has the same Customer Number but a separate Account Number. I can see them saying that she can't claim on that loan. although the PPI stands at 571 and the charges at 854
  12. That is an exact match to the statement we were sent, just under £15.00 per month went to paying the loan. The Annual Interest Rate on the statement reads at 21.60%, the Agreement shows 1.8% Rate of Interest variable per month and an APR of 24.3%
  13. Hi Dx, Could you have a look through these figures and give me your opinion please? Total loan amount £6173.79 Total loan repayment £125.93 * 120 = £15111.60 Total loan actually repaid £10079.54 Difference of £5032.06 Charges and PPI redress £3932.06 Given that this would show a shortfall of £1100 if I were to successfully reclaim both the charges and PPI, do you think it worth trying to see if they will accept half of the £1100 ( one half being my partners and the other half being her ex husband) Hope i have made it clear? Spreadsheets attached
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