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mkb

smile PPI - need help with calculating please

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Hi all

 

Smile loan + PPI.

I know the loan is enforceable but PPI is useless to me because of my existing medical condition plus I was never told I could buy it elsewhere.

 

I have looked on various threads to glean the info I need but haven't been able to find anything similar so please can you help?

 

I have no idea how to work out what they owe me cos I just can't get my head around the figures :confused:

 

I have attached the loan agreement + statements so if anyone can work it out & post me the spreadsheet I would be so grateful (another donation to this fab site :))

 

Thank you

 

http://img188.imageshack.us/img188/6369/smileppi.jpg

http://img37.imageshack.us/img37/8753/smilestatement1.jpg

http://img20.imageshack.us/img20/3284/smilestatement2.jpg

Edited by mkb
spelling

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You should be claiming back xx months @ £15.10 per month plus contractual interest at 18.1% and then add statutory interest @ 8%

 

you can use this calculator to work out the contractual interest (Compound).......Compound interest calculator

 

and this one to work out the 8% simple interest.......

 

Blake Lapthorn - simple interest calculator

 

If you have questions best put to pompeyfaith. Who is about to get a result on his own claim.

 

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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Hehe Alan soon as i saw that post i thought i got another one coming lol;)

 

My brain is primed and ready.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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keep the figures into the tens of thousands pf :D

 

I know you want to beat the euromillions jackpot total but your time will come. :rolleyes:

 

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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haha

 

But is not £30,500 some way to that.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Put figures into compound calc & came up with £19.83 so x 8% is £1.59. 19 months @ £15.10 = £286.90 plus £19.83 plus £1.59 = £308.32.

 

PF - please would you double check these figures for me cos I don't want to be asking for the wrong amount!

:lol:

 

Thank you

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yup will do ill check this evening when i get home PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Thanks PF :-)

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MKB bit confused here why are you not claiming back the PPI premium of £425.05?

 

Although you will not get this back in your pocket as the loan i not paid up you still need to claim it so it can be paid back into the loan there by reducing the amount owed.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Doh - it must be cos I is stoopid....!

 

I thought there was sommit missing - LOL

 

Apart from that though, have I worked out the interest properly?

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Yes spot on, just remember to put in your letter that you want the premium returned to the loan there by reducing amount owed. and what you have paid to this PPI monthly returned to you.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Thanks PF - will post letter tomorrow & update when I get a response.

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Final (and only!) response today. I claimed because of my existing medical conditions but see in their letter they also said about self-employment. IMO this makes it even more mis-sold!

 

http://img32.imageshack.us/img32/539/smile1t.jpg

 

http://img3.imageshack.us/img3/7232/smile2jf.jpg

 

http://img9.imageshack.us/img9/6853/smile3a.jpg

 

So it's off to FOS I guess.

Edited by mkb

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Hiya mkb,

 

That letter is -rap and a fob off the first letter always is from the co-op/smile

 

Now bearing in mind that the FOS is very likely to take considerable time in resolving your complaint I believe another letter and i further 14 days for them to reflect will do no harm.

 

I also noticed they did not at all address your medical conditions in that letter so I believe they have not fully investigated your complaint.

 

As per the FSA's latest update on PPI redress last tuesday they and the FOS take a very dim view of complaints being sent to them that have not been fully investigated.

 

So with that in mind and the links below give them a further 14 days after which the complaint will go to the FOS.

 

http://www.fsa.gov.uk/pubs/cp/cp09_23_newsletter.pdf

 

FSA unveils tough measures to protect PPI consumers

 

http://www.fsa.gov.uk/pubs/cp/cp09_23.pdf

 

Have a good read of the links above as they will help you in composing your next letter.

 

Head the letter like thus also:

 

LETTER BEFORE ACTION

 

Regards

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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Cheers for that PF. Must admit I was pretty surprised that there was no mention of existing conditions BUT they volunteered the info that I was self-employed :D

 

Rang FOS who are sending me out a form but it wouldn't do any harm to pen another to Co-op in the meantime so I'll get that off today.

 

Am guessing you're happy about Saturdays result :grin: but what on earth is happening with finance/ownership of your club???

I'm a red through & through so was mighty relieved when we managed to scrape a 2 - 2 draw against a very good performance by Sunderland.

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Pompey lol the sage continues it appears from the press yesterday that the club have been sold again to the al-farje brothers with al-famin holding onto 10% and becoming a non-exec director.

 

But yes the win was good and it and others where not for trying.

 

Regards

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

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

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

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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