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    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
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ajay5021

need help with AA LOAN TAKEN IN 2004 WITH MASTERCARE Insurance

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Dear All

 

I managed to get mum to check whether she took out any loans and managed to dig out paper work for an old AA LOAN IN 2004 FOR £20000

 

LOAN- £20000

MASTER INSURANCE- £6891

 

TOTAL LOAN- £26891

TOTAL TO PAY BACK AFTER 84 MONTHS IS £33892 AT £404 PER MONTH.

 

The loan was taken over the phone as a joint loan along with dad.

mum was 64 and dad was 65 at the time

and both working for nhs and royal mail.

 

mum said ppi was added onto the agreement with out any discussion other than taking the insurance would grant them that big loan and also they would get it at a low rate of 6.6 apr. 3 days later the courier turned up and mum and dad signed for the cheque.

 

The loan was a single premium loan and was for 7 years.

 

at the time when taking this big loan mum and dad were working but both due to retire in the next year or so.

they owned there own house, had two good pensions, savings and work benefits 6 month sick pay etc.

 

Do you think they were mis sold? any advice please thanks:-)

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other than taking the insurance would grant them that big loan and also they would get it at a low rate of 6.6 apr

 

perfect example!!

 

so you have the agreement still?

and the loan ran its full course?

 

if so

 

see no.1. below

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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thanks d for the swift response.

 

mum has the agreement and the loan was paid after 3 and half years as dad died and mum sold the house and used some of the money to pay the balabce of 17000.

 

I have looked at the agreement and even though it was a joint loan the insurance is on my mums name only. is that correct? thanks

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yep

 

so you'll have to work out the PPI %

 

then apply that to the £17k settlement.

so a % of that settlement was for PPI too.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Dear Helpers

 

Can sum1 please help me with calculations with a loan that was taken out in 2004 for 20000.

 

if mums complaint is upheld im just wondering what the redress could be

 

(a)loan...............20,000

(b)master care ppi..................6,989

 

©total loan amount..................26,989

 

(d) total to pay back with interest...........33,648

 

monthly payment for 84 months was 404

 

loans settled in 3 years with a lump sum of 17,000 to clear loan. paid 12,700 via monthly payments

 

thanks for your help

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Two threads merged.

 

As dx says, this is all done on percentages.

 

PPI percentage of loan is 25.9% (6989/26989*100).

 

Use this spreadsheet

 

StatIntSheet v101.xls

 

 

Work out what 25.9% of each monthly repayment was that you actually paid and enter the figure into the spreadsheet with the date of the payment.

 

Was there any rebate of PPi given at the point of settlement?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Hi

 

Mum said no rebate, settlement figure was 17000. already paid about 12500 in monthly instalments for 31 months

 

Thanks

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ok so do as dx says in post #4


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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