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Have just started claim, is this right?


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i have updated the pdf to reflect a few things.

 

my best guestimate of things are:

apr was 13.7%

 

total loan was: £329PCMx240mts = £78,960

 

ppi int = £13,312.95

loan int = £2192.43

ref int = £34,825.41

oth int = £718.44

 

tot int = £51,049.22

 

PPI

PPI calc'ed as to be 26.4%.

 

total cost for PPI: £13,312.95+7541.26= £20,854.21

 

PPI premiums paid : 87*£86.86=£7,556.82

8% stat on paid premiums: £2189.18

 

total PPI claim = £9746.00

 

remaining unpaid PPI to be taken from loan total:

 

£20854.21 - £7556.82 = £13297.39

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Crikey, good maths there DX. Many thanks once again.

 

The removal of 13,000 from the loan itself is a lovely sight.

 

The wrong apr on the agreement worries me though, there must be something i can do either void it or make it unenforcable. It is more than a little error.

 

Thanks.

 

PS. are you caling me Audrey? Love it :D

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audrey..............hepburn...........:D

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

:D

 

I saw the pdf was called audrey, I love a nickname within a nickname!

 

Should I alert someone to the viability of the form, I have posted a thread on the secured loans forum but no one has replied. I had no ised when I signed the cost of the loan because I didn't see the agreement before I signed :evil: so it wasn't until way afterwards I realised. Any help is so appreciated and when the ppi is paid back I will most definately donate to CAG.

 

Hepburn.:p

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