Hi they said the same to me but but after the second letter I recieved 3 cheques in which PPI went back to to 2003 and with interest.

I all Court day was on Monday yesterday Abbey agreed settlement. before court for the full amount awaiting cheque. £2.400

Hi looking at this my total amount is £2.535.16 with the 8% 106 days comes to I think £2.687 can anyone let me know if this is right. many thanks

Hi looking at this my total amount is £2.535.16 with the 8% 106 days comes to I think £2.687 can anyone let me know if this is right. many thanks

Hi thank you for your reply, have done the spread sheet and all i am needing is the daily rate of s69 on the total amount.

Could you please help, trying to work out the s69 my total bank charges+od is £2535.16 but every time i do this it does not look right.

Well what a suprise NOT!!! very happy for you

Hi Luxjoy Mad Nick is right about about the court bundle I took in to account that you had already done this. send it asap these people will not pay up until they have this. I was only trying to help you when people start to panic there defences are down they become vunerable. but the decision to ring James would be yours, I would still suggest around Tuesday next week because you have until at least 1 hour up until the court hearing to settle

Hi Sarah the print can be small but you can read without any form of Machine intervention it is only manual that will be required HaHa

Hi Sarah yes this means they will send you all the information held on microfinch but this can take upto 40 days. But do keep a date from when you first requested this. and by the way this letter you received, most people get the same reply.

Hi Luxjoy in my own experiance and because of the short time you have can I suggest you contact the legal dept at London ask to speak to James. Tel 02077564306 or 02077564398 have everything in front of you he is very helpfull. but will make offers that you may not like but keep cool and make it clear what you would like and stay firm dont let him take control not knowing your charges I can clearly say you could get all. it would seem they will settle before the court day

Abbey called today and have agreed settlement. but for £100 pounds less. onc i had looked at my statements again I found that I had counted some of the charges+Interest twice. so it had come too in total £1.400 court date is set for 26 March but will keep this open until money recieved. I wish to thank everyone for their help and support and yes I will donate when I have the lollies. I am still going on for my PPI+ ERC and will keep also keep you informed.

Thank you both for your comments, as i had put in my claim at the start was interest due to the charges +the 8% i will only do this. +the gwg i recieved of £555 which came off the then figure of my balance of £1.113 in which my overdraft at this time was £700 £413 was taken in charges and interest so only£142 was returned. having put this in my claim i will try to get this back on settlement. I will post when this as been agreed with Abbey. best wishers

Hi everyone sorry to of not been on here for a while but there was nothing to report. as said last Month court date set for March 26th they now wish to settle. but they have asked me to look at my charges again because have seem to of added some of these twice and i have done this and yes i have. i now have the correct figure but can i still claim the interest due to being overdrawn. plus can i claim the 8% and the time it has taken to put every thing to gether I.E. Posting copying and anything else many thanks for your help

Hi all I too have had PPI with my loans over the past 6 years and on each time have paid off the loans many years early but it was only dec last year i looked at all of my loan contracts and on each time i took a ppi insurance because i was told each loan i took out it canccelled the ppi that was in place. all these insurances was with hamilton. but i thought i will ring them to find out what policicy i have with them i was shocked to here that all of the policies that was sopposed to of been cancelled was still in place going back to 2002. without looking but i am i would have 5 ppi still ongoing so these were not cancelled the made me take further ppi for each loan when it was not needed i am looking at all of the loan aggreements which i have for each loantaken out.

Hi Dollies look at FSA site some good information o PPI Financial Services Authority

Hi Gearbox just been reading your thread interesting article in the Sunday Express the FSA on PPI in the this is your money page but this is very long see if you can get hold of a copy. if not i will try to scan it

The FSA gets tough o Mortgage exit fees. set out this weekend to stop greedy mortgage lenders from increasing the feesfor terminating a home loan.The termination payment,which can be as high as £295 is supposed to cover the lenders cost such as dealing with land registry and other administrative tasks when a mortgage borrower redeems or switches a loan. the fsa has this week given lenders notice to amend their money grabing tactics urgently. mortgage providers will have until feb 28 to choose one of four options. charge no fee,charge the original fee. charge a revised fee or charge their current increased fee. the city watchdog warned that it would be seeking justification from companies which chose to retain higher fees. Clive briault, at the FSA said people will know when they sign up for a mortgage what fee they will pay on exit,or they should be given a clear idea of how the exit fee might be increased fairly. the new rules open the floodgates for thousands of customers unfairly charged excessive fees to seek a refund.where the lenders set a lower fee after the feb deadline past customers who paid a higher charge can claim a refund of the difference. this is good news but does it go far anougth.?

Hi elizabeth1 vbmenu_register("postmenu_510794", true); to Abbeys AQ in which they sent back to court I to asked for a copy but was told their is no need for me to be sent a copy as it was nether hear or there so i left it at that

Anney in that case 2 days spent on court bundle would be 24 hours at £9.25 plus other costs many thanks

Anney took my court bundle in to court yesterday spent all weekend putting this together. abbeys sent on the same day. looking at the time spent on all copies i would tend to put at least 20 hours at £9.25. all i can do is wait for the court day which is the 26 march unless they settle before then. as to someone claiming the 40 hours not seen this myself.

hi all just a question on the the £9.25 can i put this on all copys sent to the bank and the court and myself ei the statements and court bundle and what other cost can i place. just waiting for this reply then will take all papers to court and take the banks copys in to the bank please help with this thank you

Hi Lula thank you good job i checked my bundle i still have more to do but will have this finished and posted on Monday of next week.

Hi all Just recieved court date this morning it goes District judge Watkins has considered the statements of case and allocation questionnaires filed and allocated the claim to small claims track hearing on the 26 March 2007 should take no longer than 1hour 30 and derects that each party must deliver to every party and court copies of all documents no later than 14 days before the court date. the original documents must be taken to court. the parties are encouraged to contact each other with a view to trying to settle the case or narrow the issues. i have made copies for all partys should i send them now given that i have just got this letter today.

Still waiting to hear from the court it has been since 28 Dec 06 when my QA given back to court.Abbey returned theirs on the 3 .1 .07 late again this had to be returned by the 28/12/06 keep calling the court but told the same thing awaiting the judge to wether this should be allocated to the small claims or a hearing should be set. i will call again on wed this week.