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Welcome finance loan advice needed, missold ppi


violet.o
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Thank you, mean for me allot. You gives to me more power to try sort it again. I all ready sent to them one of your PPI refund request letter, but don't know why there wasn't how long time they have to contact me back, is it something what was miss on this letter or all of PPI request hasn't got term in.

I have no legal training, I'm based on my own personal experiences.

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?

 

thats a credit!!

 

 

dx

 

"Fee disbursement" its first fee added to my WF account. Its shows on my statement but its on my loan agreement as well under "Acceptance Fee" so i think i can't claim it back. Am I right?

Anyway i can't found any temple letter for hot fee reclaim, can you pas to me some link with it please :)

Many Thanx

Violet

I have no legal training, I'm based on my own personal experiences.

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fee disbursement on img024 says credit by it.........

 

as for templates etc no there is not one, but you'll need to inc your spreadsheet with a letter detailing what you demand they refund.

 

just have a look at other peoples threads here on the like subject and follow those

 

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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fee disbursement on img024 says credit by it.........

 

 

dx

Sorry dont know what do you mean by this.

So should i add this on my spreadsheet or not?

Thanx allot DX

Violet

I have no legal training, I'm based on my own personal experiences.

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credit means it came off your balance not debit which means it was added!

 

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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So is it correct now?

All hot fees 80

interest of 85.1% from date of each charge until date of settlement,

242.89

interest plus fee

242.89+80=322.89

plus 8% on top

322.89*8%=25.83

322.89+25.83=347.89 which i will claim back

interestwelcome.pdf

I have no legal training, I'm based on my own personal experiences.

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well i make it:

 

fee amt date wf int stat int total

ahf 20 27/04/2007 110.37 39.90 169.67

 

use: http://www.egalegal.com/compoundWindow.html

 

principle = is charge sum

rate of int = 58.1 & then 8

rests = 12 - comp monthly

do it for £20 on 27/4/07 at 58.1%

then use that total as principle

int 8%

dx

Edited by dx100uk

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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  • 4 weeks later...

Hi DX

sorry i wasn't there but my Nan pas away and i needed go to Poland for while.

But i back now :)

I wanted if you can write for me letter to WF to clam my charges back please. its pretty argent cos i just received request to pay total arrears of 5405,02 within 14 days.

I also sent to them request of repayment of mis sold PPI on 10/8/10 but they didn't back to me. what should i do next?

I have no legal training, I'm based on my own personal experiences.

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i'll get someone to help onboard

 

dx

siteteam

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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pm dj1971

 

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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img033.pdf

img034.pdf

img035.pdf

img036.pdf

 

 

Thank you thank you just received letter from WF about miss sold PPI i add it to this post. They want to give me back Ł3630.18 i ask them for 4460.97 but i think they was correct its something about this 8% please have look if its OK.

Many thanks

I have no legal training, I'm based on my own personal experiences.

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urm.....

 

 

i don't like the look ofthe simple int calc figure

 

plus they have not shown the calculations either.

 

i suggest you pm DJ1971

 

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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You have 2 choices here violet.

 

You can either accept their figures as full and final settlement.

 

Or you can write back to welcome asking them for a break down of their calculations. This will take a short time and may well wake them up to the error of their calculations.

 

Entirely your choice.

 

DJ

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