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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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staffyloo again


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hi all

im afraid i need your help again.

capstone were granted a suspended repo order on 1 october,to pay the monthly payment and 300 on top starting 1 nov.

on wed i got a call from capstone to say they had not recieved nov payment so they were going for eviction. i told them that i had posted a cheque on the 4 nov and after getting a reminder letter from them reposted another cheque .as of wed 18 nov they still had not got it so the guy(nasty) said no its to late were going for eviction.i explained that i had posted 2 cheques and he said he would monitor the account and if i rang them that night to set up a dd he would cancel the eviction.I didnt want to ring them to see if they had recieved the cheque so i have today cancelled it and will pay it in cash on monday.

i know i should have made sure the payment was with them by the due date but didnt think it would come to this being a few weeks late.

today i recieved a letter from them saying if i dont pay full arrears they will evict.

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Oh dear, I take it you didn't send the cheque by recorded delivery? Unfortunately when you miss a payment under a suspended order the lender can apply for eviction.

 

You need to make the missed payment on Monday - can you do this by card over the phone?

 

If they do go for eviction, we can apply for a hearing to suspend the eviction but I'm sure you'd rather not go through that. If you can make payments over the phone that would be best but they really do have to be made on the due date.

 

Ell

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They could go for eviction if you were 1 day late :( as you have breached the court order.

 

Can you not make the payment over the phone? if you pay cash into a bank it could take another 3 days to get to them.

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Did you write your account number, name and address on the back of the cheque and enclose a covering letter?

 

Also, did you check on the royalmail website to see if they've signed for it?

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yes wrote acc no but cant find po receipt .i should no better ,im just hoping they got it onthursday because he didnt ring me to say they hadnt.

he also said that id missed octobers payment but when i told him the judge said payments from 1 nov he said oh someones put the notes down here wrong it says the 1 oct.so they thought id missed oct and nov .

should i ring them on monday to see if they have payment b4 i do anything?

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Yes, ring them first.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Let's wait and see if they send for an eviction warrant - it would take about a week before the warrant was issued and you usually get 14 -21 days before eviction - so there would be time to defend.

 

Make sure you pay the 1st December payment on the due date - you can then show a judge you are trying.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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