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Welcome..help needed


sues35
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have recently received all statements (if thats what you can call them) from WF. Bit of a puzzle.

 

Each loan has been settled (3 in all) and one is still active, which we having probs with (but that is another matter) We paid insurance with each one. looking over the statements they gave a rebate for each time we settled (for fees and insurance) however there is in each case an excess which was not paid E.G fees 455.00 fee rebate 406.50 excess 48.50. Can i claim this back? Also on each account interest was added on the day of settlement in one case 22 days before it was next due. In another case it was added the day before settlement. Can this be claimed back?

 

Would it be better to complete the spreadsheet showing all fees paid and let them tell me so much was paid back in rebate? Or should i complete the spreadsheet showing only the excess that was paid on settlement?

 

Is it best to do each account seperately or as one?

 

Oh and if there is something due back and we can claim it, can they take the money to use it from the account which is live at the min?

 

Please someone help....banks were so much easier lol

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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