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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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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