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  1. Hi, My Aunt took out a wfs loan and secured it against her property, she then retired from workinglife and came upon some difficulties repaying the loan amount. She then entered into an arrangement to pay £50 a week over the phone, this didn't cover the default nor did it cover what was actually required to pay the normal installment. So she continued to rack up charges and arrears. I did an SAR and they kindly sent a pack of stuff through, here are the bits that jump off the page so to speak: Insurance Suitability Document: Already has Insurance in place for Homecare24, PAP and Lifecare24, so PPI was circled NO. Yet in her statement of account that was sent, there is a PPI refund to the acc for the sum of £982.07 PPI roll up adjustment of £471.35 CCA: Total amount of credit £15000 over a term of 60 months, monthly payment of £422.51 with a variable APR of 23.5% Underneath section is the charge for credit section: Total charge for credit £10350.50 Acceptance Fee £235.00 Monthly Indemnity Fee £0.00 Interest charge £10115.50 Rate of interest £24.6% On her statement it has missed direct debit fees of £105.00 It also has a debit listed as BR SUSPENSE TRANSFER, with 96 individual transactions coming out on a single day, some for £50.00 and some for £105.00 CAPITALISATION changes from one wek to the next, sometimes as high as £240.47 or as low as £20.00 At the end of her statement it has the following entries: 25/10/2010 SETT O/C REVERSAL SASNOTONK DEBIT £235.00 25/10/2010 CAPITALISATION SASNOTONK DEBIT £51.01 25/10/2010 PPI ROLL UP ADJUSTMENT CREDIT £471.35 25/10/2010 PAYOFF - CANCELATION CREDIT £14528.65 BALANCE 0.00 Now I'm no expert but am i correct in believing that she now owes them nothing and the account can be closed? As I write this she has just called to say that a letter arrived explaing that if she wanted to settle her account the final redemption figure is: Total Amount Outstanding £12391.98 Rebate of fees and charges (66.04) Default Interest £30.57 Interest to settlement £377.08 Settlement figure to pay £12733.59 Can anyone help me help her... thanks in advance. Eoghan.
  2. have had a pre enforecement letter pushed through for 800 council tax. have cancelled a savings policy which will credit my acc.on 3rd dec.when can be paid in full. are they likely to accept this or will i get grief until that date.....or should i give post dated to the council. many thanks:?:
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