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    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
    • The car finance firm, owned by Provident Financial, voluntarily handed the money to all 5,933 customers potentially affected by the breaches, which occurred between April 1, 2014 and October 4, 2017. It was also fined £2.77m by the Financial Conduct Authority for the way it behaved. The FCA said Moneybarn's actions meant more than 1,400 customers, many of whom were vulnerable, defaulted on their loans after entering into 'unsustainable short-term repayment plans'. This meant that they were punished with extra fees and charges, which many could not afford. https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html   dx  
    • Tie him to a chair with Gaffa Tap.... Sorry thinking out-loud there Keep me posted  
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I have just realised I have another SPPL Loan.

 

I had one that I have already posted earlier but this one is more straighforward although it was taken out in 2001 and paid off in 2002 so dont know if this is a problem.

 

I had a loan for £15,000 that was a second mortgage on my home.

 

They sent the paperwork and just added the ppi at £2,500.

 

I was self employed and never asked for the ppi was never told why it was on there or anything about it.

 

When I paid it off in 2002 I paid a sum of £17,723.00.

 

Should I send directly to SPPL or to FOS with it being an old loan?

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Always approach the lender first.

 

Fos Questionnaire and spreadsheet of claim

 

StatIntSheet v101.xls


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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how was it paid off?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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I remortgaged and paid it out of the release of cash from the house. I have the solicitors letter that states wht was paid to them.

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ok just checking it was not a rollover ot other finance.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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On the spreadsheet do you still add the 8% stat interest and the compound interest or as the FOS link says above is it just the court that awards that.

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the statint sheet auto does the 8%...

 

read the red notes tab.

your monthly PPI PCM should have been calculated to inc THEIR int.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Im a bit confused about the stat int link above. It says for a single premium, which mine is, but then says to add monthly premiums? Any advice please.

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You need to work out what proportion of your monthly repayment was for the PPI.

 

If your loan was for £15,000 and the PPI was an additional £2,500 then your total loan was £17,500. so the PPI percentage of the loan was 14.29%.

 

So for each repayment, 14.29% of it was for the PPI.

 

Work out what 14.29% of each repayment was and list those amounts actually paid into the spreadsheet.

 

To work out the position on settlement of the loan, have a read of No.1 in my signature and use the spreadsheet at the end (LoanAnalysis.xls) to help you.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Ah, I see. I have reclaimed twice on credit card ppi, so was straighforward. I thought with a loan and 2.500 for the ppi I just received the 2500 back and 8% interest on top of the 2500, so totally wrong with that. If I only had the loan of £15000 for a year then it wouldnt be a great deal back would it?

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You should get back the premiums paid plus their interest paid on them. In addition you get 8% statutory interest on the payments actually made.

 

When it comes to settlement you will work out what the remaining PPI was in that settlement figure and you get that back (less any rebate that might have been given on settlement) plus 8% simple on that too.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Afraid its too complicated for me but thanks for your help. All I understand is I paid One premium of £2,500 and that was added to the loan so loan was 17500 and thats what I paid them back after a year

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OK lets work it out.

 

Total loan £17,500

 

What was the term of the loan?

 

What was the monthly repayment amount?

 

What was the date of the first repayment?

 

How many normal monthly repayments did you make?

 

Did you get a rebate on the PPI when you settled the loan and of so how much?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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will get the info and post later if that is okay ims21. Thank you.

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Okay ims21, found the info

The term was 5 years

The normal repayment was £234.36

First payment June 2001

So 12 months at £234.36

Refund from the £2,500 ppi up front payment £1368.15

The application was pre-filled in, and I was self employed at the time.

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I had the loan for a year, and they put the cross in the ppi box.

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OK I'll have a look at it late this evening.

 

Just to clarify one thing....the £1,368.15 is the rebate you got on the PPI when you settled the loan early...is that right?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Yes thats right ims, thank you.

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Can you check the figures you have given please......they don't add up

 

If it was for 5 years (60 months) and you were going to pay £234.36 per month then the total to be repaid would have been £14,061.60 which is less than the amount borrowed of £17,500!


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Oh how weird, will have another look at paperwork.

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The paperwork is a copy and a bit faded but it looks like its 120 months!

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Ok that's more like it.

 

Now, we know that 14.29% of the loan was for PPI.

 

Of each monthly payment of £234.36, 14.29% of it was for the PPI part of the loan = £33.49.

 

In the spreadsheet I gave you, list the payments of £33.49 for the 12 payments you actually made. You need to enter the date of the payment, the description ("PPI Payment") and the amount.

 

You settled the loan for £17,723 and 14.29% of that was for the PPI i.e. £2,532.62. Deduct from that figure the rebate you got for PPI of £1,368.15 = £1,164.47. That s the final payment of PPI to enter in the spreadsheet and the date you use is the date of settlement of the loan.

 

The sheet will then show you in the top right hand box the amount you should broadly expect to receive back.

 

So you complete your fos questionnaire and send it together with a print of the spreadsheet to the lender with a brief covering letter requiring refund.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thank you so much ims will have a go in the morning and get back to you.

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Hi IMS21

I added the amounts you suggested on the sheets and it came up with the following, is the 8% correct? It doesnt look right. It was from 2001 to 2002 and i put the dates in as you suggested.

8% Simple Interest -£5.58 Total £1,493.79 Amount of

Charge Number of

Days Elapsed Interest at

8% Simple

£33.49 274 £2.02

£33.49 243 £1.79

£33.49 212 £1.56

£33.49 182 £1.34

£33.49 151 £1.11

£33.49 121 £0.89

£33.49 90 £0.66

£33.49 59 £0.43

£33.49 31 £0.23

£33.49 0 £0.00

£1,164.47 -61 -£15.63

Edited by battyman
update

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Nope...something wrong there

 

If your first payment was in June 2001 then that is more than 274 days ago.

 

Make sure that the "Claim To" date is set as today's date.

 

Make sure the dates in the "Date of Charge" column are correct i,e they reflect the actual date you made the payment.

 

Alternatively post up the spreadsheet (MINUS ANY PERSONAL IDENTIFIERS)


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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