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Me vs Blackhorse figures help please.

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Hi all,


I have today received my SAR details from Black Horse and was wondering if some one could help me with figures?


Loan was taken out in June 2004

Loan amount of £1500

APR 39.9% Monthly rate 2.837%

monthly repayment £74.93

Total charge for credit 747.90

Total amount payable £2247.90

Number of monthly replayments 30


then i have finacial details (the second schedule)


Cash price of the PPI £267.40

interest rate pr month 2.837% APR 39.9%

monthly repayments £13.35

Total charge for credit £133.10

Total amount payable £400.50

number of monthly repayment 30


Total of combined monthly repayment is £88.28


made the following payments


02/08/04 88.28

01/09/04 88.28

01/10/04 88.28

01/11/04 88.28

01/12/04 88.28


then made no payments for 2 months, i then at the time joined a debt manhement company and started paying them through these at the following amounts


10/03/05 15.35

07/04/05 15.67

11/05/05 11.76

08/06/05 11.76

08/07/05 11.76

09/08/05 11.76

07/09/05 13.02

10/10/05 15.77

08/11/05 15.77


Then my money problems grew even worse at that time so i stopped making apyments again.

Blackhorse sold the debt off in december but i cant find who to? Think it was Rockwell Debt collection agency.


I then done a final settlement to rockwell on the 16.02.06 for £1700??


So im really confused over PPI amounts and things? Could some one PLEASE PLEASE PLEASE help me?


Many thanks



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sorry i am only going by an old bank statement that shows the amount leaving my account. i was going to go back to black horse as they have not provided any details of who they sold the debt off too in the SAR stuff that i got through today.

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During the period you were making reduced payments, it is difficult to work out how much was being allocated to the loan and how much to the PPI. It also appears that during this period you were not being charged interest, does this ring any bells?


Anyway, the calculations I have come up with are:


PPI: £267.40

Compound interest: £77.96

8% on mthly prem: £55.27

8% to date: £125.50


Total claim = £526.13



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