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Rbs - help need to claim ppi - please


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Hi

 

A while back I had threads regarding my Brother in Laws PPI that he has paid to RBS over the years.

But due other pressures had to put this on hold but now the Banks are trying to put a stop to us claiming this money back I thought I better try and do something for hinm.

 

I have tried unsuccessfully over the past year to calculate his payment plus contractural interest somebody on here was going to help me do this, but I think due to the load they had to deal with they never got back to me.

 

ANyway here goes, hopefully somebody can help me calculate these figures.... I do have the original Agreements and all statements for the payments, I just need a bit of guidance to calculate the final total.

 

We did put one into the RBS but they shot is down to a minimum payment which he accepted not known that he shouldn't have done that (He's had a rough time and is really poorly) but I couldn't agrue with them because I was so unsure.

 

This means they are getting way with people money..and that is not fair.

 

there is 3 loans in total:

 

1st Loan taking out May 2000:

Loan: £4947.00 + Interest £1144.68 + Ad. Fee £42.00 = £6133.68 (Inculded is the PPI £697.00) (Total Charge for credit £1186.88)

 

Interest Rate 15.6%

 

PPI Cost: 697.00 (Paid £24.01 x 8) before taking out new loan. They gave him a Laon rebate of £992.76 Feb 2001.

 

2nd Loan taking out Feb 2001

Loan: £6889.00 + Interest £2042.00 + Ad Fee £57.00 = £8988.00 Included is the PPI 1111.00) (total Charge for Credit £2099.00)

 

Interest [email protected] 14.6%

 

PPI Cost £1111.00 (Paid £30.20 x 19) before taking out new loan. They gave him a Loan Rebate £1031.79 Sept 2002.

 

3rd Loan taking out Sept 2002

Loan: £11,174.00 + Interest £3959.80 + Ad Fee £60.00 = £15193.80 (Included is the £2174.00 PPI (Total Charge fpor credit £4019.80)

 

Interest Rate 13.6%

 

PPI Cost £2174.00 (Paid £49.27 x 13) before taking out new loan. They gave him a loan rebate £3350.75 Dec 2003

 

Please, Please can somebody help me....

Cheers

AFW

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What was the contractural loan period for each of the loans?

 

DJ

 

Hi DJ

 

Many thanks for your reply....

 

Contractual period for each loan was:

 

Loan 1 - 36 Months

Loan 2 - 48 Months

Loan 3 - 60 Months

 

Any help would be gratefully appreciated.

Cheers

AFW

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