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marcus6

4 wks missed to BH - now demanding good backs - help

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Hi all,

 

I have been with BH for over 5 years, and last year i went on sick!! and

 

i have tryed my best to keep up with paying BH but from xmas till now i have not paid them as i just dont have the money to pay!

 

i have about 5 items and 3 of them items i have paid about 2 years off them so i only have a year to pay!

 

i got a call today to say they will have to pick some of the items up!!

 

but i said no i dont think so! as i have paid so much of them...

 

dont get me wrong i want to pay!

 

 

But im not sure how to go about this and thats why im here,

what should i do next!!

 

will BH take part payment on top of my weekly payment?

 

 

Help me please...

 

Thanks

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well they certainly CANNOT demand or take items back UNLESS

you give them too them, you have paid more than 1/3rd

 

so DONT put up with ANY bull about that

 

and the 'we'll get the police to do it rubbish too!

 

havev you their two USELESS insruances?

 

if so

 

get reclaiming

 

you DONT need them

 

they are NOT compulsory

regardless to 'their' rules.

 

as for the payments.

 

pay what you can when you fet.

 

you might find the reclaims KILL the balance anyhow.

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx,

 

I only have 1 of the ins! now as i got the OSC taken of just before xmas

 

should i just go into them and pay what i can each week or will they not take the payment??

 

Thanks

 

Hi all,

 

I have been with BH for over 5 years, and last year i went on sick!! and

 

i have tryed my best to keep up with paying BH but from xmas till now i have not paid them as i just dont have the money to pay!

 

i have about 5 items and 3 of them items i have paid about 2 years off them so i only have a year to pay!

 

i got a call today to say they will have to pick some of the items up!!

 

but i said no i dont think so! as i have paid so much of them...

 

dont get me wrong i want to pay!

 

 

But im not sure how to go about this and thats why im here,

what should i do next!!

 

will BH take part payment on top of my weekly payment?

 

 

Help me please...

 

Thanks

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at the end of the day they can wave their arms around all they like

 

what you have not got you cannot pay

 

if you've been with them that long

 

its a bout time you dumped them!!

 

you've prob paid 3-5 times the market value of items anyhow!!

 

why not pay them by your internet bankingsite?

 

did you get that cancelled OSC back?

 

should have

 

why have you the other ins?

 

you DO NOT need house insurance you can still cancel it and get it back

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx

 

It makes me sick when i think about the items i have had of BH over the years and how much i have paid!!

 

as to the OSC no i did not get it back! can i ? and could i get it back of of items i have paid for!! as i have 3 or 4 items that have been paid for over the years!! + the 3 iteams i have paid 2 years off

 

How do i go about geting the OSC back!!

 

Thanks

 

Hi dx,

 

I only have 1 of the ins! now as i got the OSC taken of just before xmas

 

should i just go into them and pay what i can each week or will they not take the payment??

 

Thanks

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I have just looked over 4 agreements 2 of them have been paid off and 2 i have still, over all i have paid £2,565 in OSC omg can i get this back??

 

Thanks

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YES!!

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx

 

I have not looked yet but are there any templates on here! that i can use "ie" letters made up that i can use!

 

Thanks

 

I have just looked over 4 agreements 2 of them have been paid off and 2 i have still, over all i have paid £2,565 in OSC omg can i get this back??

 

Thanks

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fill this out

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

for EVERY payment made and its date

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Thanks but i dont have xl

 

Hi dx

 

I have not looked yet but are there any templates on here! that i can use "ie" letters made up that i can use!

 

Thanks

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DX

 

The above link wont open for me!!!!

 

Is there another form like pdf!

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Do I address and send my reclaim to.... Head of Finance

 

 

Thank you :-)

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CEO IMHO!!

 

use open office

 

the spready works in that too and its free to download.

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx

 

call me dumb if you like!!, but i have never done anything like this before, and im not sure what i should be puting and where i should be puting it! is there one done up as an Ex? to look at!,

 

 

 

fill this out

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

for EVERY payment made and its date

 

dx

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pretty obv really

 

you see 3 columns going across the page

named DATE of CHARGE......DESCRIPTION....Amount of charge

 

you paid OSC every week

 

take the DATE of 'a' payment [typically the very first one you ever paid]

 

click your mouse in B20 - enter it in the format of DD/MM/YYY then hit tab key

 

you are now in the description bit - type OSC hit tab key

 

you are now in the amount of charge - enter it first one done!!

 

now click your mouse in B21

 

same again

 

dx

 

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx,

 

yea you may think so mate, but to someone that has never done this before its not!! and i dont want to go puting something in the wrong place and not get OSC back for doing so!

 

so there for i want to make sure i do it right, im sure you can understand that..

 

could you look over it once i have done it! just to make sure everything is in the right place!

 

Thanks

 

pretty obv really

 

you see 3 columns going across the page

named DATE of CHARGE......DESCRIPTION....Amount of charge

 

you paid OSC every week

 

take the DATE of 'a' payment [typically the very first one you ever paid]

 

click your mouse in B20 - enter it in the format of DD/MM/YYY then hit tab key

 

you are now in the description bit - type OSC hit tab key

 

you are now in the amount of charge - enter it first one done!!

 

now click your mouse in B21

 

same again

 

dx

 

 

dx

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hey we're not saying we wont check or help

 

post it up when ready.

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx,

 

I know that mate, thats not what i was geting at, all you guys on here do a TOP job!

 

i just want to make sure i have done it right thats all,

 

yea i will post it up once done, but 1st i must send of SAR to get all the info! where do i send the SAR is the add on here anywhere?

 

Thanks

 

hey we're not saying we wont check or help

 

post it up when ready.

 

dx

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no bother we wont let you make a mistake

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx

 

what add do i use for BH is it the 5 Hercules way in watford ??

 

is there a department!! i want it to go to? or should just put the BH add on it and thats all?

 

Thanks

Edited by marcus6

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lets check you claim first though

 

head off address

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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lets check you claim first though

 

head off address

 

dx

 

Hi dx

 

This is just for SAR! i need all the info before i can make a claim,,

 

any link to the BH head off address? or is that the one on there web site?

 

Thanks

 

P.S i have 5 Agreements new and old to get the OSC back on!!

 

 

I did not have house ins! at the time can i still get the DLC back or just the OSC

Edited by marcus6

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yes get both back + 8% int on every payment from its date

 

can i sugest you do some reading of the other like threads here

 

head office FAO: Data controller

 

you DO NOT NEED HOME INSURANCE

 

there are no rules that dictate stuff on HP must be covered by any ins

 

thats just THEIR unenforceable T&C's

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

spreadsheets 

 

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Hi dx

 

I have been on here allday looking into this, and reading posts! i will be going down the road i was miss-sold it!

 

as at the time of takeing out my 1st item with BH i was told i had to have the OSC or i could not get the item!

 

just 5 mins ago i had BH nocking at my door, wants me to do a RW i dont think so....

 

Thanks

 

 

yes get both back + 8% int on every payment from its date

 

can i sugest you do some reading of the other like threads here

 

head office FAO: Data controller

 

you DO NOT NEED HOME INSURANCE

 

there are no rules that dictate stuff on HP must be covered by any ins

 

thats just THEIR unenforceable T&C's

 

dx

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