Halifax/1st Credit

[dx100uk]

ok just re read things

 

this account is still open

 

look at the last statement [as recent as you can]

 

find the APR [not the monthly rate]

p'haps listed as purchase rate?

 

put that in cell D15

forget about the old rates.

 

dx

[babydoll0141917]

Account closed in 2008 ..Soz I forgot to mention that ..Thought I put on one of my posts...Just read thought posts and I didn't..

[dx100uk]

you say above DCA is still chasing?

 

dx

[babydoll0141917]

Halifax terminated in 2008 ..1st cred brought 2012

[dx100uk]

so in the last XXX years have you any indication that interest has been charged?

 

if not

set the claim to date to the date of the termination of the account by haliprats.

 

does the bal at Termination equal the bal being chased currently

 

dx

[babydoll0141917]

so in the last XXX years have you any indication that interest has been charged?

 

if not

set the claim to date to the date of the termination of the account by haliprats.

 

does the bal at Termination equal the bal being chased currently

 

dx

 

No interest since 2008..Yep the balance at Termination is the same has now..account open 2001 ended 2008..PPI 2001 to 2005

[dx100uk]

ok

set the claim to date box on the CISHEET to that date.

 

note the total that that gives you

 

take that total and the date of termination...

 

put it into this spreadsheet. using the tem date as the date.

 

StatIntSheet v101.xls

 

that will give you the 8% statutory interest you are entitled to

 

as you've been deprived of that money

from the date of termination [no interest charged from their side]

 

to the date your PPI claim is settled.

 

dx

[babydoll0141917]

As I said my maths is not a strong point..Ive added up all the PPI from 2001 to 2005..the total is £1,401.40,,do I add 8% on to that total..? If so what would it be ? It says Monthly PPI amount ..my amount was different every month ..What do I put there? Sorry to be a pain

 

Thanks DX

Edited September 16, 2013 by babydoll0141917

[dx100uk]

you need to input EVERY payment of PPI

on its date

individually on a new row

 

in the spreadsheet.

 

dx

[dx100uk]

CISheet v101.xls

[babydoll0141917]

Thanks DX..Ive wrote them all on paper they are all ready to go on spread sheet..will the 8% be worked out for me ..Or will I have to do it? If I have to do it I will have to give you a shout ..also when I added account number to Spread sheet ..It changed once I moved down to the next bit ..Is it suppose to do that ?

[dx100uk]

we'll do the 8% on another sheet later

 

shouldn't change the account number as that's a text box.

 

you are using excel not open office.

 

dx

[babydoll0141917]

I have listed them all DX..I dont know how to do the overall intrrest rate...Or adding on the 8% intrest ..I will need your help if you dont mind

[dx100uk]

find their last int rate they charged your [purchase rate]

 

put that in cell d 15 [white box next to int rate / apr]

 

that should make the sheet calculated the rate on the last col

for all your rows.

 

you should now have three figures in the boxes top right in bold.

 

yes

 

attach the sheet back to me here

 

dx

[babydoll0141917]

Thanks So much DX ..the only one I could find was on A 2001 statement at 17.9% so Ive use that ..Its was prob a lot more by 2008 ...Yes I have a calculation on the right hand side ..do I pm you and attach it to that ? so you can see

 

Also my Account number still changes ..would I be puting the card number down for the account or the PPI account number

Edited September 17, 2013 by babydoll0141917

[dx100uk]

attach it here.go advanced/manage attachment bottom right

 

there must be amore recent apr than the surely?

[babydoll0141917]

Maybe on the T and Cs for 2008 ..there maybe another intrest rate ?

 

On the 2008 T and Cs it does say THE APR FOR THE AGREEMENT IS 23.5% APR (VARIABLE)

 

Shall I change it to that ?

 

Ill send now so you can have a look ..It still has the 17.9% INT on it

Edited September 17, 2013 by babydoll0141917

[Livis]

Hi Babydoll,

just been reading your thread as I have a similar situation with the Halifax CCA,

it looks the same as yours with a pasted version of some terms on the back.

 

I did complain to Halifax telling them that I thought it was unenforceable as non compliant.

 

They wrote back saying that what they had supplied was correct etc etc and that they had answered my comlplaint. That was in 2010.

 

They then passed the file onto Connaught, 1st Credit and its now gone to Mackenzie Hall.

 

As I sent them the bemused letter,

they have sent me all the bumf again,

copy statements, copy of the app form, with photo copy back, copy of letters sent to prev dca's.

 

I don't know what to send back as they know the reason it's in dispute!

 

Any advice would be much appreciated.

 

Feeling a bit battered and blue with this one :o( xx

[babydoll0141917]

Hi livis...I just keep telling 1st credit .. the T and Cs are illegible.

.and I don't pay any money to any person or organisation unless they can show they have a legal right to ask for it or collect it...

.. they know why im disputing

 

..I send a letter they send one back asking for my comments

..Letter ping pong ..

 

.Every time I have a concern they put the account on hold.

 

.Why keep doing that if the APP is enforceable .

.think they think im gonna crumble and start paying .

 

...1st cred also think the Tand Cs are unreadable and unenforceable as I have print outs from the SARS that they have said that

and asked Halifax to buy the debt back .

.but of course Halifax refused

 

Also my DN is invalid ..but 1stcred don't know that

[dx100uk]

Maybe on the T and Cs for 2008 ..there maybe another intrest rate ?

 

On the 2008 T and Cs it does say THE APR FOR THE AGREEMENT IS 23.5% APR (VARIABLE)

 

Shall I change it to that ?

 

Ill send now so you can have a look ..It still has the 17.9% INT on it

 

yes use that 23.5

 

dx

[Livis]

Thanks Babydoll, I will get a letter off to them tomorrow at least, it will put my mind at rest that I've replied xx

[babydoll0141917]

Thanks DX ..Just changing and will re Send

[babydoll0141917]

Just sending DX

[babydoll0141917]

Hi DX to I print that form off and send it to Halifax with a PPI letter ? ..If so is there a Template Letter or do I write my own ? Thanks for your help

[dx100uk]

have you filled out an FOS CQ yet?

 

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

 

dx