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Found 5 results

  1. Hello I am just about to commence a PPI re-claim on an old Alliance & Leicester personal loan. There appears to be a number of addresses to where the SAR letter should be sent. Can anyone please confirm which is the best (correct) one to use. The options I have are:- Customer Services, Santander Consumer, Santander House, 86 Station Road, Redhill RH1 1SR. Alliance & Leicester Personal Finance Limited Building 3 Floor 2 Carlton Park Narborough Leicester LE19 0AL Santander (Abbey, Alliance & Leicester) Abbey National House 2 Triton
  2. Hi All, I'll try and keep this as succint as possible, I just want to gauge some opinions on a current issue I'm having with morethan pet insurance. Our cat is 13 years old and requires surgery costing up to £8k. We've had our policy since he was 8 weeks old, with the same provider (morethan), and have never made any changes to the policy ourselves. The cover limit is £8k (plus whatever excess fees, which we'll get to)... The last paperwork we received from them was the payment schedule this time last year (it also detailed the policy renewal date as 5th June 2018; we were yet t
  3. Hi all. I have just done an accurate expenditure and income sheet which amazingly shows that we have £500 a month free. I don't know where it is in the real world, but that's what it says. My wife sent it off to BWLegal (it's her debt of £7k+) with an offer and it was refused. Their counter offer is that they want us to pay £375.98 per month which is 75% of this 'surplus'. Would a court find this a reasonable percentage!? If not, what would be considered a reasonable percentage? There are other debts, If I divide the total amount against an accepted reasonable percenta
  4. I have started a few threads over the last week and with no disrespect to any regulars on CAG, as it is more my own perceptions that are causing confusion:|, I feel no further forward. In brief we have approx 30K's worth of debts with the largest being Black Horse who have taken over my Capital loan since the LSTB/Halifax merger:-( So in effect that one is still with the OC..... The rest are 5K , 3K, 2K, 1.5K and a few of around £200 - all of these smaller ones are with DCA's:| We have been running a DMP with Payplan for the last 2 years and have never had any problems other tha
  5. Hi, I've copied & pasted all my transactions into a spreadsheet. However I'm now stuck with trying to find out past APRs for overdrafts. According to their website, the current EAR (which I assume is the same as APR) has been 19.89% since 2nd August 2010. The previous EAR is stated as 19.24% from 28th April 2008. I have downloaded the spreadsheet (CompoundSheet_v1.8.xls - not sure if that is the up-to-date version?) to calculate what the bank owes me. However I can't figure out which percentage to use. There is a field at the top of the sheet for the APR, however it seems that it
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