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old HFC Debt - now with TBI - Claim Form Received.

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They did send one with reply to my cca request. I thought it was odd as the statement looked hfc-ish and continued to 2010 which is 3 years after noa from tbi? Just seemed odd to me


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gust many many threads merged on the same debt

 

you have PPI on this why is this not being used as a counterclaim?

i believe this was a refinance too? so other PPI comes into it too.

 

here are all you docs in one place

 

did you ever do a spreadsheet?

 

dx


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have you the agreement and statements for the blanked out loan which was refinanced please?

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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a £3k loan that ended up costing you +£7.5k on the agreement wow they saw you coming!!

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks mate. Been a bit pre occupied with other issues and this court def was a surprise since cca was non compliant. I have about 9 days to file. The sar i sent only covered newer loan as hfc said the old one was destroyed as older than 6 years. So no details on that?


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a £3k loan that ended up costing you +£7.5k on the agreement wow they saw you coming!!

 

dx

 

please dont remind me :(

 

I really really need help right now, I cant explain how messed up my head is as a member of family critical in hospital, on meds for anxiety, recovering from an operation myself and now this to deal with, with quite a tight deadline. :(

 

I'm not sure I have enough time to file defense and counterclaim - and thanks DX for pointing out i can use PPi in counterclaim - i didnt know i could do that. this court stuff is all new to me - feeling alot out of my depth right now!

 

I did fill in a spreadsheet but i think that was for CC not front loaded for something else - so now Id better TRY get my head around this too lol.

 

I have SAR for nwer acc but not older one. so will that confuse matters? (totally confused already)

 

I spoke to TS about the unsigned non excecuted agreement - explained it was pre CCA2006 - but the guy just wasnt getting what i was saying - he says a true copy isnt a signed copy?!! so I told him not to contact DCA for now... as its confusing me even more.


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Thanks for merging my threads but the capquest/HFC is for credit card and not related to this


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so you have the statements for this one though?

 

and record of all you payments and the dates?

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Dx - yes i do and tonight i will sit down and work on figures. Will counterclaim be against tbi as new owners?

 

Andy - besides ppi how is my defense previously? What have i missed or done wrong please?


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ok i am filling in statint sheet for PPI -

 

there is 6 full payments of which the 32.34 would have come out of the 125.59 per month - but after that there is loads of random different payments of when i was in difficulty , some say 20 quid couple for over 100 some for 50, 75 etc! so how on earth do i work this out?

 

thanks


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work out the PPI PCM%

 

see no.1. below

 

so: IF...

 

your monthly payment was £125.59 and your PPI PCM was £32.34

32.34/125.59*100=25.75%

 

so any payment you made 25.75% was for PPI

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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thanks

 

so just add up all the random charges then 25.75% it

 

I had westcot chase this before TBi - wouldnt have a clue how much that was now ( would have only been 1 or 2 payments probs)

 

I have paid tbi £210 - do i add this to the above?

 

thanks DX


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

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nope

 

 

ANY PAYMENT YOU HAVE EVER MADE [bar the full ones]

 

workout what 25.75% of the payment was

 

and enter that figure in the spreadsheet using the date of the payment it originated from

 

do that for every payment individually

 

 

...god your hardwork sometimes...:lol:

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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haha sometimes? more like all the time.

 

ok so 25.75% of EACH payment with date

 

got it!! lol

 

on it now... thanks

 

PS my maths are pap (i guess you noticed already) :)


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use the calculator in windows OS

 

in your run box type calc.

 

if you put in say

 

20

then hit +

 

then hit 25.75

 

then hit %

 

it tells you the figure

 

just remember to hit C

 

before the next calc

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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thanks

 

i cancelled the PPi mar 07

 

there is -139.67 and - 266.34 for both of the ins.

 

do i continue adding up the payments after this date or stop there? thanks

Edited by gust

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the interest APR on the PPi was 34.18

 

so what do i do to the spreadsheet to add this interest on ?


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[ATTACH]41431[/ATTACH]

 

ok i added it all up

 

here is what it looks like

 

cheers


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

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Ok i have read the link in your sig DX

 

1 - old loan merged into current loan - i cant work that out as HFC have no details on older account - do i scrap this off then?

 

2 - i was rebated 139.67 and 266.34 = 406.01

 

3 - then it was sent to DCA - but i didnt recieve any default notice

 

reading citizenB's part on 3 it says OC would have to refund all PPI and the interest of 34.18% then add 8%stat interest?

 

very confused!!

 

also this will be for counterclaim you say. The counterclaim will be at HFC or TBI now they are claiming this in court?

 

my head hurts! lol


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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thanks

 

i cancelled the PPi mar 07

 

there is -139.67 and - 266.34 for both of the ins.

 

do i continue adding up the payments after this date or stop there? thanks

 

you take the rebates off the total in the total box

 

you can only reclaim PPI on ACTUAL PAYMENTS MADE


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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the interest APR on the PPi was 34.18

 

so what do i do to the spreadsheet to add this interest on ?

 

you dont

the PPI PCM int already includes this.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok i have read the link in your sig DX

 

1 - old loan merged into current loan - i cant work that out as HFC have no details on older account - do i scrap this off then? off what?

2 - i was rebated 139.67 and 266.34 = 406.01 - already explained

3 - then it was sent to DCA - but i didnt recieve any default notice - to go to court there must be ref to one being sent

and its figure MUST NOT include any penalty charges

reading citizenB's part on 3 it says OC would have to refund all PPI and the interest of 34.18% then add 8%stat interest?

 

your PPI PCM calc does this , and the spready does the 8% stat.

 

very confused!!

 

also this will be for counterclaim you say. The counterclaim will be at HFC or TBI now they are claiming this in court?

 

HFC, but must be in your court docs if you are rellying upon this in the TBI claim

 

my head hurts! lol

 

dx...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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© pursuant to the said agreement payment of all costs on an indemnity basis incurred by the claimants in enforcing the agreement subject to proceedings.

 

 

If there is no explicit contractual term providing that costs should be paid on an indemnity basis, costs should be ordered on a standard basis rather than an indemnity basis.

 

In Helden v Strathmore Ltd [2011] EWCA Civ 542 In light of this ruling it is important to ensure that, where costs are intended to be paid on an indemnity basis, the contract / agreement contains a provision to this effect. Failure to include such a provision will result in the less favourable award of costs on the standard basis and a failure to recover anything close to what has been paid.

 

 

The above is absolute gust..... so there is no mileage in challenging the assignment.My previous post refers to the T&Cs of the agreement re costs...if its not referred to in the T&Cs IE costs on an indemnity basis then it can not be requested by way of their P.o.C...so in simple terms if they do win they can only claims costs (Assuming this is Fast Track over 5K) on the standard or fixed basis or to be assessed if not agreed.

 

Regards

 

Andy

 

can bearly read T+c's but no mention of this indemnity basis thing you refer to.

 

this could be interesting - "transfer by us" you agree that we may at any time assign this agreement and transfer our rights and benefits under the agreement, our duties and obligations under the agreement, in any person without having to give you prior notice. If we do so this will not alter your rights or obligations including your rights under the act.


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

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Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

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dx...

 

1 - old loan merged into current loan - i cant work that out as HFC have no details on older account - do i scrap this off then? off what? the reclaim - as i cant really know what it is

 

2 - i was rebated 139.67 and 266.34 = 406.01 - already explained - got it!

 

3 - then it was sent to DCA - but i didnt recieve any default notice - to go to court there must be ref to one being sent

and its figure MUST NOT include any penalty charges - so deduct ALL penalty charges from total that TBI are claiming? to find proper figure the claim from them should be?

 

also this will be for counterclaim you say. The counterclaim will be at HFC or TBI now they are claiming this in court?

 

HFC, but must be in your court docs if you are rellying upon this in the TBI claim ok - thanks

 

I hope andyorch can help with that bit -

 

well the PPI reclaim minus rebates = 274.66 - cheers DX for your patience with me.


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

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£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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DX

 

i added up penalty charges = £135

 

I have my SAR summary and there is NO NOTES for any default sent out - i dont recall ever having one and i also sent the solicitor a CPR31.14 requesting a copy of the original default - they said no such document has been supplied by OC.

 

from looking though HFC DID charge me £50 in 2006 i can see on this statement. so do i add that to the £135 charges or not?

 

many thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

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£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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