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First a big thanks to the cag site team in advance

when everything went wrong in my finances this is the site that has helped me claim money back sort out a dmp and see light at the end of the tunnel.#

 

I have sent black horse a sar and it has come back with a result

 

On the 28/04/03 i purchased a car from the now defunct james edwards car dealership in chester

 

the sales person was insistant i take out the ppi implying i would have a better chance of getting the finance if i had the insurance

 

the loan was over 48 monthly payments and went like this

 

first schedule

 

cash price of goods £9540.00

deduct cash deposit £3500.00

amount of credit £6040.00

plus hire purchase charges £1227.24

acceptance fee £95.00

purchase fee £50.00

total charge for credit £1372.24

total amount payable £10912.24 APR 10.9% 48 payments of £153.38

 

second schedule

cost of payment protection gold plan £1288.40

charge for credit £257.68

total amount payable £1548.08 APR 9.6% 48 PAYMENTS £32.21

 

£153.38 PLUS £32.21 =£185.59

 

all these payments were made on time with no missed payments or late payments

 

the insurance was never used and the loan ran its course

 

now i would like to claim this back and will down load a template letter

but my problem is i do not understand the 8% intrest

 

i can add and to which figure the 1548.08 and how long over a time period

 

if someone could help me out with the final figure to demand from them this would be a great help thanks

 

ian

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just fill in the attached SOC

 

£32.21 on each payment date

 

see the notes on the SOC red tab

 

filll out the questionaire here

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

do a letter of complaint [keep it simple]

 

fire the lot off to BH.

 

let us check it first please

 

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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