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    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
    • Thanks. We'll try to help over the weekend. If the hearing is on 05/07 then it's 90% sure that the deadline for filing your WS is 21/06.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Halifax mortgage PPI reclaim


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tHIS MORGAGE WAS taken OUT IN 2000

 

BORROWED 25,056 over 25 years

 

there is a section which states morgage repayments insurance application which states the following...

 

monthly morgage payment 121.95

plus 25% morgage rekated costs 30.49

monthly benefit 152.44

monthly premuim 9.23

 

i had this morgage till 29/12/2003

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I have also noticed on the statement SDIB 9.38 Repayment insurance then the same day is says SDIB 9.38 CR repayment insurance ? does that mean it was paid out then credited so confused on how to work all these out :( please help :)

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Is there anybody who specialises in halifax mortgages ppi???

 

tHIS MORTGAGE WAS
taken
OUT IN 2000

 

BORROWED 25,056 over 25 years

 

there is a section which states morgage repayments
insurance
application which states the following...

 

monthly morgage payment 121.95

plus 25% morgage rekated costs 30.49

monthly benefit 152.44

monthly premuim 9.23

 

i had this morgage till 29/12/2003

 

please can you help me work this out as it states i paid ppi but looks aso was credited back the same day?

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two threads merged

 

scan up the statement/agreement please

 

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 using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

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 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

.

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 need to pdf them

then go advance

manage attachments

 

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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no those are jpg picture s

 

pdf them

follow the guide

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

These are the document relating to this

 

[ATTACH=CONFIG]43903[/ATTACH]

 

To me it looks like this £9.38 insurance payment was a separate payment each month tot he main mortgage.

 

Accordingly you will need to complete this spreadsheet and simply enter each payment of £9.38 you actually made together with the date of the payment.

 

StatIntSheet v101.xls

 

The sheet will work out the 8% interest due on top.

 

You will then need to get a fos consumer questionnaire from here and complete it

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Send a print of your spreadsheet and the completed fos questionnaire to the lender. They will have 8 weeks to investigate and give you a decision

 

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These are the document relating to this

 

[ATTACH=CONFIG]43903[/ATTACH]

 

 

 

 

 

To me it looks like this £9.38 insurance payment was a separate payment each month tot he main mortgage.

 

Accordingly you will need to complete this spreadsheet and simply enter each payment of £9.38 you actually made together with the date of the payment.

 

[ATTACH]43904[/ATTACH]

 

The sheet will work out the 8% interest due on top.

 

You will then need to get a fos consumer questionnaire from here and complete it

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

Send a print of your spreadsheet and the completed fos questionnaire to the lender. They will have 8 weeks to investigate and give you a decision

 

Thank you so much for your help and time :) so ill add all the 9 38 along with dates in spead sheet ? :)

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Thank you so much for your help and time :) so ill add all the 9 38 along with dates in spead sheet ? :)

 

Yep...you need to list each and every payment of £9.38 together with the date it was paid.

 

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Thank you so much imms sorted the morgage one out now need the other 2 loans it dosnt have on the statment what i paid? Can i send you these ones also hun sorry for being a pest but if it wasnt for you i wouldnt get anywere x

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Have you got a thread running on your two other loans loans? If so can I have a link please. If not then you would be best to start one so that they don't get mixed up with this one.

 

I have the agreements ready to post for you.

 

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  • 2 months later...

Had a offer today of 401.40 plus 355.78 calc at 8% till 16th august 2013 is this right?

i couldnt work out how much they owed me so i just sent a letter asking them to work it out and this was sent.

will i accept offer

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