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Feelingdownandout Vs Halifax


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3 things:

 

one, the interest rate.. is that their purchase int rate [why does it double?] and it looks WAY too low

two, don't stop when they froze the int, you claim goes through to today at their purchase rate [ they have used your money - called restitution - see slick32's sig]

three, i would not at this stage inc the 8% stat int column.

 

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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I checked the paperwork, and the first interest rate was an intoductory rate and was for a period of 6 months then it reverted to the 12.92%.

 

Can you advise which date I should be claiming up to? as the interest froze in June 2009?

 

and at which point do I claim 8% stat int?

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they might well have frozen the interest from XX date, but they still used your money

you are reclaiming under fair restitution because they had YOUR money and obv used it.

you claim to the date of your claim [lets say 1st sept]

12.92% even if THEY did not charge you it.

 

as for the 8% as i said before, leave that off for now

you should only claim that if your start MCOL>

 

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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money claim on-line

if you ever have to start the court process.

 

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

they must respond within 8 weeks from your initial letter+spreadsheet demanding the PPI be refunded.

then we go from there.

 

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

Haifax wrote to me last week confirming that the appropriate team would be in contact wtihin 10 days regarding the amount to be credited to my account.

 

Do I understand from your last post that I write to them and enc my spreadsheet detailing what I consider I am entitled to?

 

Many Thanks dx

 

FDAO

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haha

 

i would not trust any lender to calculate what they owed me on a charges or a ppi reclaim

they will fleece you blind.

 

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... 

Link to post
Share on other sites

Wouldn't hurt to write and tell them that this is the amount that you expect feely, including the interest to date, but as dx says, without the 8% which you can only claim when you put in a court claim if there's no other interest.

 

Regarding MCOL, a lot of people have made claims using moneyclaimonline, but it's not ideal as there isn't much space for the Particulars of Claim so most people use the N1 form which goes via your local court.

 

Have you calculated your charges yet?

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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you shouldn't claim 8% stat on charges until you file your N1 [court claim]

 

as for the PPI.

 

do you want us to check it?

 

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

post it up then

 

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

nope........thats the old one.........

 

notes in post 285 need addressing

 

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

I will have to recalc and repost this evening, the one in post 284 goes up to June 2009 and not Sept 2010 - sorry dx you are right.

 

Also I dont need to add the interest rate at 12.92% when it was 5.9% do I? Am I correct in thinking that I add the percentage as it was charged?:-(

Edited by Feelingdownandout
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yes add their % rate thay charged you.

 

however, ......

 

thinking out the box here

 

why not charge at 12.92 from the date of every charge to sept `10 and DELETE your % column

let them finmd out what you have done,,, they might not argue or notice!

 

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

no, I only stopped paying in Jan 2009, they didnt hang about and sent it to BOS in April Last year.

 

I cancelled the PPI in 2006 as I didnt see the point and noticed that the min payments that I was making were being swallowed almost whole by the PPI.

 

If anyone can suggest a nicely worded letter to accompany my calculations this would be very welcome.

Edited by Feelingdownandout
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