Can I claim ppi Black horse loans from 1998 and 1999

[dx100uk]

so, you don't have the info they have used to calculate the redress

 

unless they are using their 'generic' refund of £1200 I thought it was

not £1000 . when they have no info themselves?

 

it might be an idea to scan up what you have received

then we can see if they are using a 'set' figure because they don't know

or

they have the info and p'haps not quite got it correct.

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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 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 CAG in the title

i'e Default notice DD-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

.

dx

[maggie]

Thanks dx .I will try that now

[maggie]

Here is the breakdown they have sent me .Hope it has come through with this reply

[dx100uk]

your 1st attempt was perfect

 

well done

 

well from what they are quoting

it appears they know everything about the loans

 

so why no paperwork in your SAR return then?

 

naughty

 

from the method theyhave used

 

they have done it correctly

 

now if the figures of the PPI are correct from the agreements

then the redress is thus correct

 

however, as you have not seen the agreements

 

then its upto you to decide if you accept the redress

or

[and you are quite within your rights to ask for them]

 

you defer you acceptance until they supply you with the

relevant info, so you can check they are correct.

 

there is also the issue here that you need to in someway

complain they did not, obviously, comply with your SAR properly.

 

or you can leave things there

 

accept the redress

 

and move onto your next? ppi claim if you have more

 

dx

[maggie]

Thank you dx,,even though the loan was applied through Lloyds bank yet we are being reimbursed by black horse,do you think it plausible that I write to Lloyds bank ,asking them to reimburse all charges accrued against the insurance ppi ,NOT being paid on the due date .?

[dx100uk]

if the charges are outside 6yrs you'll have a fight on your hands.

 

just recapping something here...[cuz me for poss being dense here...[

which might help tie them in to the ppi redress

 

you are saying that, in your knowledge

you 'used' the ppi and it's late payment

to your bank account

where the payments to the loan came from

resulted in subsequent bank charges on the bank account?

 

that's weird if correct

if you use the PPI

it normally get paid direct to the loan account

 

its also worthy of note

that this 'use' should be clearly detailed in the redress sheet they've sent..

 

dx

[maggie]

Yes dx,,,

 

when we used the ppi ,it was supposed to be paid into our Lloyds bank current account each month

where the payment supposed to be taken on the same date per month as it had been before we made a claim on it.

 

The loan amount was being taken by direct debit out of our account even though we had made the claim for the ppi

and despite us informing them of the claim .

 

Because it was paid so many months late as shown on the credit file ,

 

we incurred charges from Lloyds bank in excess of 350 pnds including late payment fees .

[dx100uk]

actually looking at that sheet I think its says £69.76

how many months were paid by it

and what was your monthly PPI?

 

as the resultant PPI payments were late into the bank account

they yes its linked to the PPI.

 

so those bank charges should be brought up with tem.

 

dx

[maggie]

Hi dx ,sorry I haven,t replied sooner .

 

I think it was over a 7 or 8 months that they didn,t pay the ppi into our account on time ,or maybe even more .

 

Lloyds bank then stung us with going overdrawn

,direct debits not being paid a

nd other debits

and late payment fees ,

 

so I think I shall go for Lloyds bank on the return of these fees

 

.Am I correct in thinking this please .

 

Thanks Maggie

[dx100uk]

what was the monthly PPI figure they were paying in to the account?

 

dx

[maggie]

I have no idea dx .

.the ppi payment was covering the total monthly cost of the loan each month .

 

..checking on my credit record from when we took the loan out

 

,,it stated that it was 10 payments one month late ,2 payments 2 months in arrears ,11 payments of 3 or more months in arrears..

 

Now none of these late payments were our fault ,

 

,it was the insurance company of the ppi ,paying in the monthly amount to cover the loan ,late each month

[dx100uk]

ok take 2

 

what was the monthly loan amount

[maggie]

The monthly loan amount was 70.00 per month

[maggie]

I apologise from not replying sooner dx ,but I am in the process of multitasking at the moment lol

[dx100uk]

no rush at all...

 

if the loan payment was £70PCM

 

then there something wrong with their PPI refund

 

it mentions no where these repayments

 

this will of course cost you money off the total they are offering.

 

[i e £70 off that total before interest is added for every payment they made.

 

dx

[maggie]

I have no idea on how to work the amount owed ,,I honestly thought that I was owed a little more maybe ,after all there is 20 yrs worth of interest payments ..Maybe I am wrong on that point ,so if you have any idea on the correct recompense owed to me I would be grateful if you could help me out

[maggie]

on the breakdown I have posted on here ,,they have also quoted another loan agreement number ,which I have no record of .

[dx100uk]

dont think it does

its just a universal form

 

what I am saying is

 

they paid your loan for a period of time

 

it APPEARS that they have not realised this in their refund offer

 

IF they realise or are told this you could lose X times £70 from the net total figure

thus then even more from the resultant interest as the net sum will be low

 

my gut feeling is to accept

 

and run..fast..

 

I say the above as this appears to be for ONE LOAN ONLY

 

you said you had 3?

 

so two to come?

[maggie]

Thanks dx ...will take your advice PRONTO ll

[dx100uk]

so is this for ONE LOAN ONLY.

you have correctly redacted the account number

 

there is only ONE stated with regard to this redress letter.??

 

yes??

 

dx

[maggie]

No ,,

 

take a look at the breakdown sheet they have sent me ,

 

it is for two loans .

 

one of them I completely forgot we had .

 

in the paragraph f of the breakdown ,

 

it stated that 64.14 p was the value of the ppi carried on into the next loan

[dx100uk]

right ok

 

so you cant accept it as they are making a calculated decision using data you have not got

or are a party too.

 

get that sar letter return out

 

give the number on it a ring.

 

ask them WHY data on several BH loans were not included

 

as you've had a PPI redress offer that mentions loans you know nothing about

 

dx

[maggie]

oh dx ,I have been silly,I posted the offer of acceptance back to them ,on Sunday evening .

[maggie]

Do I send a full subject access request to Black horse as they have given me reference to a loan I did not remember we had from the breakdown letter I received ,also ,we took ppi out with them from furniture we purchased ?

[dx100uk]

send the sar

 

there is no short or long one

 

an sar gives you EVERYTHING they hold on your....

 

dx