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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Ltsb loan ppi - claim being made - help please


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Afternoon Caggers,

 

Ok, so I am readdy to submit a claim for 3 loans that had PPI on them.

 

I just wanted to confirm that I am doing it all correct.

 

I have put the amount of the PPI in the Schedule of Claim spreadsheet (using the same one for Credit Cards) and changed the interest rate to match that of the loan.

 

I have filled in the FOS questionnaire.

 

Is this correct, or should I be using a different spreadsheet?

 

And is there anything else I should know/do?

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what ppi are you reclaiming?

 

you should reclaim the ppi portion of EACH of your monthly repaymens FRON THE DATE YOU MADE THAT PAYMENT . it will already include the interest they charged you, so you set the rateon the spreadsheet to the stat 8%

 

explain what you have done.

 

dx

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DCA's view debtors as suckers, marks and mugs

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Hi Dx,

 

thanks for your reply.

 

I've got the original agreements and they state the total Loan for PPI amount. SHoudl i get the statements and use those instead?

 

Now I'm confused.

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Or...should I do a DPA requst on each one and ask for breakdown of charges so that I get given an itemised list of payments made? Saves going for year's worth of bank statements.

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Un1boy,

 

Certainly is one option to proceed with your claim but it will cost you £10 and may take up to 40 working days.

 

If you already have your statements is quite easy though time consuming to put the claim together.

 

1) Enter the date and amount of each charge going back to when the loan/card was taken out.

2) For each monthly repayment, calculate the compound interest from date of charge to current date/date of settlement of loan has been repaid.

3) Calculate 8% simple interest on each monthly charge from date of charge to current date.

4) Total these up and that is the amount of your claim.

 

Good luck

 

DJ

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Un1boy,

 

Certainly is one option to proceed with your claim but it will cost you £10 and may take up to 40 working days.

 

If you already have your statements is quite easy though time consuming to put the claim together.

 

1) Enter the date and amount of each charge going back to when the loan/card was taken out.

2) For each monthly repayment, calculate the compound interest from date of charge to current date/date of settlement of loan has been repaid.

3) Calculate 8% simple interest on each monthly charge from date of charge to current date.

4) Total these up and that is the amount of your claim.

 

Good luck

 

DJ

 

Thing is, I dont' have all the bank statements anyway.

 

I think I'll ask for a list of all charges applied as I don't have the bank statements, so either way I've got to senda DPA request.

 

So, how do I know what portion of the payment was for the PPI?

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if you hgave the agreements then its easy

 

just work out wwhat the total cpst of the ppi was [cash price]

then workout what % that was of the total loan

 

when you know that, then that how much of the pcm was ppi

 

simples

 

dx

 

btw you keep talking about charges - did they levy that as well

 

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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if you hgave the agreements then its easy

 

just work out wwhat the total cpst of the ppi was [cash price]

then workout what % that was of the total loan

 

when you know that, then that how much of the pcm was ppi

 

simples

 

dx

 

btw you keep talking about charges - did they levy that as well

 

dx

 

Thanks, so I still need to know the monthly payments made, or can I just go off the figure on the agreements?

 

Lol, saying charges is habit I guess!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hi

To get an exact figure of your claim you'd need the dates each payment was made. Howevr, you could arrive at a very close approximation. Usually the first repayment goes ut one month after the loan was agreed. So woth that you can get a good estimate of the date of the first payment and the others will be monthly thereafter. some will be a couple of days out due to weekends and bank hols but you should be close.

 

As dx says, work out the percentage of ppi to the total loan. This percentage can then be applied to each of the monthly repayments and will give you the amount of ppi in that payment.

 

I've attached a spreadsheet that will do the calulations for you. Please note that you only need to enter list data in columns A, B and C. The rest is done for you. Then just change your personal details in the blue section at the top and this is then your schedule of claim (SOC).

 

Regards

 

ims

 

StatutoryInt.xls

 

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Hi

To get an exact figure of your claim you'd need the dates each payment was made. Howevr, you could arrive at a very close approximation. Usually the first repayment goes ut one month after the loan was agreed. So woth that you can get a good estimate of the date of the first payment and the others will be monthly thereafter. some will be a couple of days out due to weekends and bank hols but you should be close.

 

As dx says, work out the percentage of ppi to the total loan. This percentage can then be applied to each of the monthly repayments and will give you the amount of ppi in that payment.

 

I've attached a spreadsheet that will do the calulations for you. Please note that you only need to enter list data in columns A, B and C. The rest is done for you. Then just change your personal details in the blue section at the top and this is then your schedule of claim (SOC).

 

Regards

 

ims

 

[ATTACH]28926[/ATTACH]

 

Thanks Ims.

 

Rahter than get years worth of statements, I think I'll write and ask for a list of transations on the loan accounts.

 

Do you think I should do this a DPA request, or write a polite letter first, asking for this information?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well you could try a polite letter and see what happens....if nothing then you'll have to SAR them.

 

Do you not have the agreements? It would be ideal if you had those or at least all of the figures that are on them.

 

Regards

 

ims

 

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Hi Ims,

 

Yep, I've got all of the agreements - is it just better to use those? I am more than happy to.

 

Are you asking me to post the figures from them?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Perfect, thanks Ims.

 

Ok - there are 4 in total. I don't have the info for one of them (need to doDPA request I think!) so I will label them A, C and D.

 

A:

 

Loan amount: £14171.48 monthly: £225.15 total amount payable: £18912.60

Loan for PPI: £3970.78 monthly: £63.08 total amount payable: £5298.72

Total Loan: £18142.26 monthly: £288.23 total amount payable: £24211.32

APR: 8.90%

 

Total charge for credit:

Cash loan: £4741.12

LPI Loan (cash price £3970.78): £1327.94

Total loan: £6069.05

Annual interest rate 8.60%

 

This one is still active.

 

 

If we can work on this one first, that would be great.

Edited by un1boy
Typos

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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17.09.2007 is the start date

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, so first payment would be one month after that date....give me a few mins and I'll be back

 

ims

 

Thanks Ims

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hi

 

You need to use the spreadsheet I linked to in Post #9.

 

Amend the personal details in the blue section but leave interest rates unchanged at 8%.

 

Go to the list section. Remember, you only need to enter list data in columns A, B and C.

 

Your first entry will be for the date of 17/10/07. Column B you just enter ppi payment and the amount is £63.08.

 

Next line will be 17/11/07, same narrative and same amount of £63.08.

 

Carry on for each month right up to date.

 

You will see that the interest calcs are done for you.

 

We don't the figures for the remaining ppi as at todays date because you haven't cancelled the policy yet but the spreadsheet will give you a figure for what you have paid so far.

 

Write to the bank to cancel the ppi. Also enclose a copy of the spreadsheet and a completed consumer questionnaire from the fos website and the letter claiming back the ppi and your reasons why you think it was mis-sold. Await their reply.

 

Regards

 

ims

 

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Hi

 

You need to use the spreadsheet I linked to in Post #9.

 

Amend the personal details in the blue section but leave interest rates unchanged at 8%.

 

Go to the list section. Remember, you only need to enter list data in columns A, B and C.

 

Your first entry will be for the date of 17/10/07. Column B you just enter ppi payment and the amount is £63.08.

 

Next line will be 17/11/07, same narrative and same amount of £63.08.

 

Carry on for each month right up to date.

 

You will see that the interest calcs are done for you.

 

We don't the figures for the remaining ppi as at todays date because you haven't cancelled the policy yet but the spreadsheet will give you a figure for what you have paid so far.

 

Write to the bank to cancel the ppi. Also enclose a copy of the spreadsheet and a completed consumer questionnaire from the fos website and the letter claiming back the ppi and your reasons why you think it was mis-sold. Await their reply.

 

Regards

 

ims

 

Ims thank you so much for this!

 

When ypou say questionniare and letter claiming it back, which letter?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, spreadsheet done.

 

Total of charges: £2,901.68

Total stat int: £434.88

Total claim: £3,336.56

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ims, should I send each claim seperately, along with different questionnaires, or can I use 1 for all - I have 4 in total.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Loan B:

 

Loan amount 11,000 monthly 250.53 total 12,526.50 total 12,526.50

PPI amouint: 1,984.46 monthly 45.20 toal 2,260.00 total 2,260.00

combined total: 14,786.50

 

APR 6.4%

 

Total charge for credit:

loan 1,256.50

ppi 275.54

total 1,802.04

APR 6.26%

 

Ok, so now can you help me the calculations you used so I can do the next one afterwards and then post what I think I should be using?

 

start date: 25/09/06

End date 31/10/07

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ims, should I send each claim seperately, along with different questionnaires, or can I use 1 for all - I have 4 in total.

 

I'd do different packs for each claim

 

ims

 

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