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    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
    • absolute rubbish, whomever told you that lied to make them sound important. no stores are using face recognition, they are not allowed too it's not been generally licenced by the gov't. it's only in a very few stores in central london. and they most certainly would never waste staff time searching old CCTV they dont even have. it should be wiped by GDPR laws etc after 30days. if you get any silly letters BIN THEM. go see your GP ASAP 
    • Thank you both so much for the reply. I am worried because they told me they have face detection systems in place, that they go back through the CCTV from their other stores and find out I've shoplifted from them before. How likely is this? Also they did not mention anything about DWF solicitors or retail loss prevention. Should I still expect a letter from them? 
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Nationwide PPI


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OK Thanks

 

Not sure if I have given the figures correctly.

 

I took out a loan of £5000.00 in September 2001, The insurance was £740.39. On top of all this £1058.33 interest was added. I paid £141.64 starting from the 01/10/01

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OK Thanks

 

Not sure if I have given the figures correctly.

 

I took out a loan of £5000.00 in September 2001, The insurance was £740.39. On top of all this £1058.33 interest was added. I paid £141.64 starting from the 01/10/01

 

Yes, please follow the instructions in post #25.

 

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Excellent.

 

Download the LoanAnalysis spreadsheet from the last post here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered&p=3543602#post3543602

 

In the three boxes at the top enter the amount of loan as 5740.39, the term as 48 and the monthly repayment as 141.64. Then look down the left hand column for payment number 13 and you will see that the balance on the loan at that time was £4373.59. Now, 12.9% of that was for the PPI which is £564.19. That is the amount of the PPI loan outstanding at that time.

 

When you settled the loan you got a rebate of £539.86. Take one from the other and you end up with a difference of £24.33. This is the amount of PPI from loan 1 which was rolled into loan 2.

 

In order to work out the next bit we need to know the amount of the loan for loan 2 and the PPI premium for loan 2 please.

 

Then tomorrow we can carry on with the workings.

 

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Thanks for your reply ims21.

 

I am following your instructions but don't have a clue what I am doing.

 

My second loan was £7000.00 and the monthly amount was for £161.49 which was for 60 months

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Have you got a note of the PPI premium added to loan 2 please?

 

In order to understand what we are doing, you need to be aware that your reclaim will be for the amount you actually paid towards the PPI. The way we find that out is to look at the date and amount of each payment towards the PPI. This is why we need to break it all down into monthly payments and account for any rebates you got when the loans were settled early.

 

It is usually the case that where one loan is paid off by taking out a consolidation loan there is an overpayment of PPI. We have shown this to be the case with the £24 carried forward to loan 2.

 

Did you ever read the item at No.1 in my signature?

 

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The credit insurance was for £1034.80 and the interest charged on this was £213.20.

I have read you post it and I think it is starting to sink in but my understanding is still skectchy.

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I have read you post it and I think it is starting to sink in but my understanding is still skectchy.

 

:lol: No problem....we will get there.

 

So in loan 2 you had a PPI premium slapped on it of £1,034.80 giving a total loan amount of £8,034.80. You also have £24.33 PPI being paid through loan 2 which actually relates to an residual amount of PPI on loan 1. So the total PPI in loan 2 is £1034.80 + £24.33 = £1059.13.

 

As a percentage of the total of loan 2, this is 13.18%. This is calculated as 1059.13/8034.80 x 100.

 

That means that 13.18% of each repayment you made on loan 2 was for PPI.

 

13.18% of £161.49 is £21.28 and this is the amount you were paying each month towards PPI.

 

Continue with your spreadsheet and underneath the existing 13 entries, list the amounts of £21.28 that you actually paid.

 

When you have done that, shout here and we can move on to the next bit.

 

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Ok thanks.

 

We now need to work out what the rolled over PPI was from loan 2 into loan 3.

 

Using the LoanAnalysis spreadsheet I mentioned earlier, punch in the loan details at the top....£8034.80 for the amount of loan, 60 as the term and £161.49 for the monthly repayment. You will see that after the 16th payment the balance on the loan would have been £6181.37. We know that 13.18% of that is for the PPI which is £814.70. That is the amount of PPI that was effectively still to pay at that point.

 

When the loan was paid off, the rebate is meant to give you back the unpaid part and they gave you an amount of £758.85 which is £55.85 less than you should have got. This is the amount rolled into loan 3.

 

So loan 3 was for £20,000 with a PPI premium on it of £3,736.89 making a total loan of £23,736.89. The total PPI in that loan was £3,736.89 + the amount from loan 2 of £55.85 = £3,792.74. That in turn is 15.98% of the total loan.

 

So 15.98% of each repayment you made against loan 3 was for PPI. 15.98% of £352.51 is £56.33.

 

Continue your spreadsheet and list the amounts of £56.33 that you actually paid.

 

When done, come back here and we will continue.

 

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Ok so we can now work out the final entry.

 

If you use that loan analysis spreadsheet again you will see that after 39 repayments the balance on the loan is £14,043.37. 15.98% is PPI which is £2,244.13. Your rebate was £2,046.39 so take one from the other and the difference is the amount you overpaid when the loan was settled.

 

That figure is £197.74 and this will be the last entry in your spreadsheet list. The date of the entry will be the date on which you settled the loan.

 

The spreadsheet will then give you a figure for the PPI and the 8% interest which you should expect back.

 

You now fill in the fos questionnaire and send it to the lender together with a print of your spreadsheet. They will have 8 weeks to investigate and give you a decision.

 

I would send the documents by some trackable method so that you know when they receive them and you can start the 8 week countdown.

 

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Too small tosh. Please PDF them.

 

Follow these instructions by dx100uk

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAGicon in the title

i'e Default notice DDicon-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

 

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Not as such.

 

You just complete the fos questionnaire and attach a print of the spreadsheet to it.

 

They will do their own calculations. The submission of a spreadsheet just helps them to know that you won't be any pushover with a "fob off" offer and that you now what is what.

 

If and when they make an offer you can compare it to your workings to see where any differences lay.

 

The £5,100 is what you should be expecting to see come back if all of the information you have given in this thread is correct.

 

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