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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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
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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

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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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

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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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

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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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

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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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

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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  • 1 month later...

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.

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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

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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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

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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