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How to work out citifinancial PPI multiple loans starting in 2003


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post 21 refers.............

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk,

pdf copies of my loans agreements? not sure what you mean... sorry.

 

 

Do youhave copies of the actual loan agreements ?

 

If so, then could you post them up for us to see,

so the PPI guys can see the interest you were being charged on the loan/PPI as that has to be included in your figures :)

 

Please do make sure you edit out your personal information and account references.

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  • 2 weeks later...

in the statements? you have

 

any thing on loan 2 or 3 regarding rebates?

 

working now

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

and whats this about a charging order?

 

16/09/2009

Charging Order paid in full 2948.02

 

 

 

 

before costs were added etc

 

what was the figure of the CCJ [without court costs please]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cassie

1st loan 1st payment 17/7/2003 ppi 128.65/1703.65*100=£7.55PCM

 

2nd loan 1st payment 27/12/2003 PPI 170.80/2370.80*100=£7.20PCM

[refinance of loan 1 £1375.92 27/11/2003 PPI loan1 into loan 2 =1375.92/2370.80*100=£58.04PCM]

 

3rd loan 1st payment 29/04/2005 PPI 412.25/4012.25*100=£10.27PCM

[refinance of loan 2 £491.22 29/04/2005 PPI loan3 into loan3 = 491.22/4012.25*100=£12.24PCM]

 

ims check me please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, Thanks for looking at these,

 

I don't remember any rebates,

but when they sent me the offer letter they mentioned a £95 rebate.

 

Will look at the charging order tonight and give you the figures they sent.

 

I know the loan was £2000 +.

 

The rest was fees (it never went to court as I got a loan and paid it.)

 

Really appreciate your help.

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never went to court?

 

then I hope they added nothing.

 

was it citi that did it or some fleecing DCA got ahold of it?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You got it in one,

but the thing was I don't know how they did it.

 

I never had a court hearing or anything

 

just a letter from solicitors saying that they were applying for a charging order,

 

then a letter to say did I know there was a company making a charge on my property.

 

Freaked me out - went out and got a loan from Ocean finance,

they paid back the charging order and I got what was left.

 

I look back and think these companies have made so much money out of me during my life,

I don't know how I could have been so stupid.

Older and wiser now.

 

But I find claiming back PPI stressful,

this one has been a real nightmare,

 

I have a few and one of them I took a loan of £5000 and paid 2500 ppi,

- each company because they are the less known money sharks it is so difficult.

I bet you are sorry you asked now!

Thanks

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cassie

might be an idea to make a timelined bullet pointed reply about what happened here.

 

if you had to pay £15 to get it removed - £15 to whom?

 

if the sols said it was going to court on a CO

that means that they MUST have had a CCJ against you already [typically the £15 thing is a cert of satisfaction fee you py the court to get the CCj certified paid

it doesn't remove if from your files - unless this was within 28 days of the CCJ]

 

the story does not ring true as yet.

think you are getting names and things mixed up

to get a CCJ it MUST have gone to court

and they CANNOT get a CO without a CCJ in place.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx,

I never got any papers about it going to court.

 

 

I have had a CCJ order before and had to fill in details about mortgage etc.

 

 

If I had of received a court order I would have acted on it.

 

 

Which was why I was so surprised to get it.

 

 

I joined Experian, there were two CCJ

- one I knew about

and this one (I wrote to the court to get details).

 

 

Thanks for looking at the spreadsheets.

 

Many thanks

Thanks

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well ths is all a side issue as such

 

 

though it might be an idea to do a time line

 

 

doesn't sound right to me yet

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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