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blackhorse ppi stuck


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What type of loans were they, and have you got the figures from the original agreements?

Alan, Derby, UK.

 

 

 

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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Hi it was two unsecured personal loans which i took out in 2004 and yes i have all the paperwork and copies of the original agreements.I have managed to pay them of in full in september 2007 but am still amazed at the costs.

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What is the breakdown for the credit on each one - and were these fixed term, fixed monthly payment - or variable?

 

Was the PPI included at the beginning, or was it applied monthly?

 

Why do you consider it was missold?

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Thanks for the quick reply i was told i couldnt have the loans without it.They knew how desperate i was.first one says

 

amount of credit 2600 cash price for ppi 532.71

ammount of credit 532.71

APR 12.9% charge for credit 181.29

monthly repayments 58.68 total ammount payable 714.00

number of payments 60

also dont know if this matters but the date on it which i signed was 05/07/06 their signature is dated 10/05/06

second loan is

ammount of credit 2000.00 cost of ppi 438.32

apr 14.9% ammount of credit 438.32

monthly payments 60 total charge for credit174.28

monthly payments 60

dated 20/03/04

as you can see i am really not very good with a computer

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Okay, so they were both front loaded and the total for PPI and interest was £1326.60. In which case you can claim the full amount, plus 8% p/a from the date of the agreement.

 

That will add in the region of £160 - but to work it out exactly use one of the bank charge spreadsheets (Bank Template Library) entering the date of charge as the date the agreement commenced.

 

Have a good read through the PPI stickies before you start as you will find a great deal of useful information.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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