Much needed help to reclaim PPI

[Pisces01]

The writing on document is too small to upload, so here is what I have.

 

Amount of Loan: £8,000.00

Add: £4,463.80 Interest (APR 20 8%)

Total Sum Payable: £12,463.80

Total sum payable to be paid by 60 monthly instalments of £207.73

on the 04 day of each month commencing on the 04 day of April 2003

Optional Credit

Protection Insurance Cash Price (including VAT)

Life (J) £836.54 Decreasing term life assurance - Joint

ASU (Y) £1,294.27 Accident, Sickness and Unemployment

Total Cash Price £2,130.81 Amount of insurance loan

Add £1,188.99 Interest (APR 20 8%)

Total Sum Payable £3,319.80

Total Sum Payable to be paid by 60 monthly instalments of £55.33

on the 04 day of each month commencing on the 04 day of April 2003

 

I paid this loan off in full on 9th September 2004, full amount paid back = £7,841.91

 

Could someone please help to work out what is due to come back to me from HFC.

 

Thanks

[Pisces01]

Sorry, forgot to ask if I could also claim back the late payment fees on the account, they were £15.00 a time?

 

Also, would I be entitled to add the 8% interest up to todays date, or until the money is refunded back to me?

 

Sorry for all the questions, this is all new to me, I've just been told - "don't forget to claim the interest on the amount settled too".

How do I work that out? Such a lot to remember.

Edited August 19, 2010 by Pisces01

[Pisces01]

I don't think I had a rebate either, I have all the papers, cca etc, no mention of any rebate, just late payment fees and £7,841.91 which is what I paid to settle the debt.

[Pisces01]

Would anyone be able to assist me with this please, am very confused trying to work out the ppi myself.

The rebate which I should have had for early settlement according to HFC is £817.89, as I was never paid a rebate.

Please could somebody work this out, I am desperate now.

[Pisces01]

Sorry, got a bit confused, I found my thread where DJ kindly worked this out for me.

My computer crashed and I had to reformat it, but lost lots of my info and couldn't find the spreadsheet that I needed.

But have it now, phew, panic over