Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
        • Thanks
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
brand_no_7

FIRSTPLUS - PPI Repayment Calculations (after PPI 5 year rebate)

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4038 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Has anyone been successful in recovering the PPI payments (in line with the FOS recommendations) from Firstplus after they have received the cashback after 5 years.

 

If so can you contact me because a call to Firstplus has left me very confused because apparantly because of the cashback my balance will stay the same and my monthly payments increased!

 

FOS upheld my complaint and now waiting for FP to come back to me with calculations but I am not that confident they will treat me fairly.

 

Here are all the relevant figures

 

Original amount advanced - £55,000

PPI amount - £13,469.50

Term of loan - 300 months

first payment - September 2003

 

Original repayment - £642.96

 

Original APR - 12/2%

Original MIR - 0.967%

 

Monthly payments did increase to £665.33 (04/04), £677.55 (06/04), £702.27(07/04)

 

Things get a bit complicated because in December 2005 made partial payment of £40,140.44

 

Over same term monthly payments reduced to £320

rised to £351.52 (08/07). Current interest rate is 13.2%

 

In August 05 i had the refund of the PPI policy of £13,469.50

 

Many Thanks

Share this post


Link to post
Share on other sites

Hell brand,

 

 

Has anyone been successful in recovering the PPI payments (in line with the FOS recommendations) from Firstplus after they have received the cashback after 5 years.

 

If so can you contact me because a call to Firstplus has left me very confused because apparantly because of the cashback my balance will stay the same and my monthly payments increased!

 

FOS upheld my complaint and now waiting for FP to come back to me with calculations but I am not that confident they will treat me fairly.

 

Here are all the relevant figures

 

Original amount advanced - £55,000

PPI amount - £13,469.50

Term of loan - 300 months

first payment - September 2003

 

Original repayment - £642.96

 

Original APR - 12/2%

Original MIR - 0.967%

 

Monthly payments did increase to £665.33 (04/04), £677.55 (06/04), £702.27(07/04)

 

Things get a bit complicated because in December 2005 made partial payment of £40,140.44

 

Over same term monthly payments reduced to £320

rised to £351.52 (08/07). Current interest rate is 13.2%

 

In August 05 i had the refund of the PPI policy of £13,469.50

 

Many Thanks

 

You may have received a refund after 5 years for not submitting a claim

 

but you must check out the fact that your PPI policy would probably only cover you for the first 5 years of the Loan period ie 60 months as your term is 300 months my guess is you will still be paying the interest on the original PPI loan figure of £13,469.50 for the next 240 months and if you check up you will probably find you are no longer covered by the PPI should you require to make a claim.

 

I would write to ask for clarification on this point and if you get any hassle submit a Subject Access Request the fee is £10.00 then when you have all the data on the loan you may wish to cancel it find a cheaper alternative and claim your PPI premiums back including the contractual interest and the 8% statutory interest on top.

 

Have a read through the stickies at the top of the forum to get the info and away you go;)

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Share this post


Link to post
Share on other sites

Thanks for your response

 

Sorry if i didn't make it clear but I have been successful with my claim and FOS upheld my complaint. Firstplus will now be paying me the ppi premiums, contractual interest and stat interest.

 

The reason for my post is that when i spoke to FP on an admin matter I enquired about when they will come back to me - it was during this conversation where they said that due to the rebate of the PPI premium i got back in 2005 this will mean my monthly payments is likely to go up.

 

On the basis the FOS clearly state the customer must be put in the position they would have been if the ppi was not taken out then this surely cannot be right and was just enquiring whether anyone has dealt with a similiar issue.

 

Many Thanks

Share this post


Link to post
Share on other sites
Thanks for your response

 

Sorry if i didn't make it clear but I have been successful with my claim and FOS upheld my complaint. Firstplus will now be paying me the ppi premiums, contractual interest and stat interest.

 

The reason for my post is that when i spoke to FP on an admin matter I enquired about when they will come back to me - it was during this conversation where they said that due to the rebate of the PPI premium i got back in 2005 this will mean my monthly payments is likely to go up.

 

On the basis the FOS clearly state the customer must be put in the position they would have been if the ppi was not taken out then this surely cannot be right and was just enquiring whether anyone has dealt with a similiar issue.

 

Many Thanks

 

All I can do is give you my scenario.

 

Cancelled PPI as it was no use. Employer covered me fully and better than PPI through RBS.

 

RBS stated the reduction in monthly payments would not reflect the full amount of the PPI monthly payment.

 

Complained to the FOS, they upheld my two complaints and all of a sudden I get a refund of the PPI premiums paid plus the interest plus 8% statutory interest and yes my monthly payments reduced even more down to the level of repayments on the loan amount as originally described in the CCA. Because of this I also got a refund of the difference between the loan agreement payments and the additional element of PPI that I was told I still had to pay..

 

So make sure you are covered more cheaply, cancel the PPI and at the end you should only be paying monthly payments on the loan amount with no additional element for PPI. ( yet another [problem] to cream off more money)

 

Hope this is clear.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...