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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
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    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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Ppi Interest Question


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Hi

 

Am I right in thinking that if you claim mis-sold ppi on a credit card you can add interest at their contractual rate and if your claim is accepted by the FOS do they then add on 8% on top of that or is it one or the other.

 

Thanks

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Hi

 

Am I right in thinking that if you claim mis-sold ppi on a credit card you can add interest at their contractual rate and if your claim is accepted by the FOS do they then add on 8% on top of that or is it one or the other.

 

Thanks

 

Tink

 

You got it in one tink but remember the credit card may have different levels of interest for purchases and cash withdrawals the cash bit normally attracts a higher level of interes see posts 10 to 38 on this thread.

 

alanalana v capital one

 

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.

 

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Hi

 

I have done the figures and this is what I come up with - could you have a look because I cant believe they can be right - if they are I feel a nice well earned holiday coming up!

 

date principle sum 17.9 compo s69 interest of 8%

interest

 

22/8/99 30.96 154.54 147.51

22/9/99 34.35 167.90 159.37

22/10/99 35.61 171.47 161.90

22/11/99 30.00 141.81 133.16

22/12/99 30.00 139.28 130.08

22/01/00 30.00 136.71 126.97

22/02/00 30.00 134.18 123.93

22/03/00 30.00 131.85 121.14

23/04/00 35.18 151.64 138.52

22/05/00 34.78 147.29 137.34

22/06/00 35.76 148.60 134.27

22/07/00 35.00 142.79 128.32

22/08/00 30.93 123.80 110.63

22/09/00 33.38 131.07 116.46

22/10/00 35.85 138.17 122.09

22/11/00 36.22 136.92 120.30

22/12/00 36.26 134.53 117.54

22/01/01 36.96 134.49 116.83

22/02/01 36.89 131.63 113.69

22/03/01 36.06 126.41 108.69

 

I cant believe what a difference compounded interest makes!

I hope this is right - I know Pompeyfaith is a whizz at interest so if you are about please take a look and comment. After the last date the ppi was cancelled at my request.

 

Look foward to any replies

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Sorry its pushed all the figures over but I hope you get my drift

 

22/9/99 princ fig 30.96 + Com int at 17.9% (their apr) = 154.54 + s69 int at 8% = 147.51 - total = £333.01

 

Thanks

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

Link to post
Share on other sites

Hi

 

I have done the figures and this is what I come up with - could you have a look because I cant believe they can be right - if they are I feel a nice well earned holiday coming up!

 

date principle sum 17.9 compo s69 interest of 8%

interest

 

22/8/99 30.96 154.54 147.51

22/9/99 34.35 167.90 159.37

22/10/99 35.61 171.47 161.90

22/11/99 30.00 141.81 133.16

22/12/99 30.00 139.28 130.08

22/01/00 30.00 136.71 126.97

22/02/00 30.00 134.18 123.93

22/03/00 30.00 131.85 121.14

23/04/00 35.18 151.64 138.52

22/05/00 34.78 147.29 137.34

22/06/00 35.76 148.60 134.27

22/07/00 35.00 142.79 128.32

22/08/00 30.93 123.80 110.63

22/09/00 33.38 131.07 116.46

22/10/00 35.85 138.17 122.09

22/11/00 36.22 136.92 120.30

22/12/00 36.26 134.53 117.54

22/01/01 36.96 134.49 116.83

22/02/01 36.89 131.63 113.69

22/03/01 36.06 126.41 108.69

 

I cant believe what a difference compounded interest makes!

I hope this is right - I know Pompeyfaith is a whizz at interest so if you are about please take a look and comment. After the last date the ppi was cancelled at my request.

 

Look foward to any replies

 

Tink

 

Tink best to PM Pompeyfaith on this one IMO just to be sure.

 

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.

 

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Im here Im here hehe

 

Now lets have a look although have a quick glance it looks fine to me.

 

And yes compound interest does make a very big difference and a big dent in there profits lol

 

I will check those just to be certain.

 

Hold fire

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Tink,

 

What compound calculator are you using because my figures on the top one is coming out at more than you.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Share on other sites

Tink,

 

What compound calculator are you using because my figures on the top one is coming out at more than you.

 

PF

 

You should get this magic calculator of yours to the patent office :D

 

It is better than the lottery machine at producing winning sums.

 

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.

 

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Thanks Alanalana and Pompeyfaith

 

Pompeyfaith I am using the same calculators as you mentioned in Alanalanas Capital One thread the Compound interest calculator and

Blake Lapthorn - simple interest calculator - is it all the figures that are not the same as yours or just the top one? Thanks for taking the time to do the calculations - it is rather time consuming isnt it, but enjoyably time consuming when you see it adding up. With a few others to do like this I have quite a big smile on my face at the moment!

 

A nice holiday coming up soon I think - but actually getting them to pay is the hardest part I know.

 

Thanks again

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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hiya tink i have only done the first line so far but i will do the lot this evening and post the result here did u compound monthly or yearly ? PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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i have an ongoing claim with the co-op bank ppi on 9 loans totaling jurt over £31,000 cant wait to get that sorted as it will clear all my debts get me a nearly new car and yes a good holiday

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Wow £31,000 thats a nice amount

 

I compounded the interest monthly and ticked the 360 days in a year box.

 

Was this right.

 

Thanks

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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compound monthly yes as 4 360 days between payments u will need to check the payment due dates on a few of your statements or your t&c will give this alro

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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hard slog my claim been a battle 4 a yr so far but i aint giving up i have a solicitor ready to take over if i do not get a result from the FOS

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Share on other sites

You should get this magic calculator of yours to the patent office :D

 

It is better than the lottery machine at producing winning sums.

 

aa

 

:-D:-D:-D:-D:-D

 

GOOD LUCK WITH THE COOP PF:wink:

 

 

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Thank You Gary

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Good evening. I have just received my original mbna business agreement. It states I wanted ppi on the credit agreement, though on my statements all it states is charges for interest retail, interest cash and interest cheques. It clearly states that I agreed to ppi @ 72p per £100 balance spent. Doesn't MBNA business state insurance or ppi on their statements?

The credit agreement started from 19 June 2006. I noted from their default charges they stopped charging £20 per default up until May 2007, but then cut it down to £12. If I have just under four years of charges at £20 and £12 a month, am I still able to claim this back?

 

Thanks very much for your help in advanced.

Best wishes

David

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Hiya Exoticplants,

 

Yes indeed get your claim in credit card charges are not subject to the OFT Court case like bank charges are.

 

And if they try to fob you off saying they are its a load of bull.

 

As you PPI i would say yes it should be on your statements as its a charge to you so should be on there.

 

So challenge this too.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi Pf

 

Did you manage to have a look and see if my figures are correct as you said in an earlier thread that you made the top figure different to mine

 

Thanks

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Share on other sites

tink i will do yours today sorry i have been busy helping others i have not forgotten though

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Share on other sites

exotic yes ppi is listed on mbna statements

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Share on other sites

Thanks pf

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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