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      • 16 replies
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Hi

 

Can someone please help me with claiming back PPI on a firstplus loan i used to have.

 

In Aug 04 I took out a loan for £11,000 added to this was £2,693.90 for PPI which made the loan amount £13,693.90, then a month later Sept 04 I took a further advance of £5,000 which took my Loan up to £16,000 and they added PPI to this £4040.85 so made the total loan £20,540.85.

 

For the first month my monthly payment on the first loan was £135.59 this is including PPI, for the second month onwards I paid £203.38 per month including PPI.. there is nothing on the paper work to show a break down of the PPI per month.

 

I paid this loan early in May 2005.

 

Thanks

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have you not already got a thread running on this?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes i have but dj1971 told me I should start a new thread with this one as my other thread was too confusing.

 

Thanks

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ah i though i'd seen it...

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Are you able to help me with this one? my head is going round in circles which is why my other post got so confusing lol :D

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let dj know you have started anew thread

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Whatamess,

 

Well done on starting a new thread and separating your different loans. This will make things much easier to follow and advise you on.

 

I have all the figures and information needed on your Firstplus loan and will do the calculations for you this afternoon.

 

DJ

  • Haha 1

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Yey thank you :D

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Whatamess,

 

When you paid the loan off in May 05 did you receive a rebate of unused PPI?

 

DJ

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I dont recall getting one and i have just check my bank statements and there is nothing obvious on there to show that i did.

 

Thanks

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Ok,

 

Do you know the settlement figure you paid in May 2005?

 

DJ

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Im in a state of shock, i have just found a letter from the solicitors when i remortgaged to pay off this loan, it shows that they paid Firstplus £20,240.00 in May 05 the loan was for £16,000 and £4000 was interest so i have paid them all of the intrest on top for having the loan for 9 months surely i shouldnt have paid them the whole 4k and im shocked my bank did not notice this when i showed them all the paper work...am i totally off the mark here or am i right in thinking i just handed firstplus 4k for lending me some money for 9 months?

 

thanks

Edited by whatamess

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Whatamess,

 

Wao! Going by your last post, something really stinks here.

 

I suggest your next coarse of action should be to SAR Firstplus. Let's see what information that throws up.

 

DJ

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hehe

 

welcome to fleecers world

how do you think you and me stay in the gutter and the rich get richer doing nothing.

 

i bet that breif got something out of it too btw.

 

you should have gotten a very big early settlement reduction.

 

it should be on the agreement or its t+c's

 

if you settle this loan early etc etc

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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dj....

 

i smelt a rat when this user first posted.

 

the listing just didn't seem right.

 

he deserves every penny back

 

btw: i just dont have the concertration level much to resolve these issues at present so's thats why i'm glad you're firing on al of yours...good work this last few weeks.

very impressed.

 

i've got a 4th hfc thread to start which i hope will interest you

just got to wait till it goes past a milestone before i can post it up

and show my cards so to speak.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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dx,

 

It really does stink doesn't it.

 

Many thanks for your feedback and happy to help on your new thread if I can.

 

DJ

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Hi Guy's

 

So I shall SAR firstplus and see what info they hold on me, as i have never SAR'd anyone before is there a certain amount of time that the have to respond in? Also is there any chance they could turn around and say this loan was over 6 years ago and hold no information on me?

 

Do you know i really cannot believe how we didnt spot this at the time but to be fair i only started to become clued up about any of this stuff since finding this site and what a site it is.

 

I will let you know the outcome and hopfully i can start getting back what is rightly mine

 

thanks;)

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no you should be ok

 

i thinks it best you do sar them.

 

let get all our ducks in a row

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Whatamess,

 

SAR is a legal request on Firstplus to supply all the information they hold on you as a data subject and should include statements, credit agreements, any letters of correspondence etc......

 

Have a look at the sticky on the ppi homepage entitled " Full SAR for PPI " this will explain it in more detail and there is also a template letter in there. Just adjust the letter to suit your circumstances and send to Firstplus by either special or recorded delivery and include a postal order for £10. Keep the receipt for proof of postage.

 

Firstplus will have 40 calendar days to provide all the information.

 

Go get what is due to you whatamess.

 

DJ

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