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Offer from Black Horse - Don't understand the breakdown of calculations

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Can somebody please help as I can't for the life of me get my head round the figures we have been given by Black Horse for our ppi offer. We had two loans, both with ppi added on top. First loan was consolidated into second loan 9mths after taking it out. The second loan ran for 4 years with ppi and we did make a claim for one month on it, but this is listed separately in the calcs.

The one part which has confused us is this...

"Less Payments Due if Pro-Rata Basis"

Black Horse have knocked a hefty £750 off the balance under this heading and we've no idea why?

Can anyone shed any light on what it means so we can decide whether their figures tally up correctly?




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The £750 that Black Horse has taken back is exactly the same amount as the original ppi cost on the agreement.

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