Blackhorse - My sisters journey begins ** SUCCESSFUL CLAIM **

[NORNIRONGIRL08]

Following success with my mum and Halifax

my sister got me to SAR Blackhorse

 

they have now sent her 4 agreements including their remortage loan from 2003.

 

Looking at agreements the cost if PPI is high.

 

Her hubby was self employed and she a home help.

 

She is adamant they were told she had to take insurance.

 

The loan agreements are typed and ppi box ticked and their signatures at bottom of agreement.

 

One if the loans she is adamant she didnt tick the box.

 

Should i send a statin sheet for each loan with the questionaire?

 

I am gonna state mis sold reason she had sickness cover and didnt need the insurance.

 

Thanks as usual guys

[dx100uk]

slow down were the loans a refinance of a prev one or the mortgage

 

are they interrelated.

 

as for a reason....

 

if she worked less than 16hrs p/w the ppi is useless.

 

as it is for him being self employed.

 

dx

[NORNIRONGIRL08]

Do u mean was it a loan on their mortgage? She worked more than 16 hrs.

[dx100uk]

were the loans a refinance of a prev one

was the mortgage used to part refinance.

 

in other words are they linked?

 

see 1 below

 

dx

[NORNIRONGIRL08]

Yes a loan on their mortgage. The other ones were just loans.

[dx100uk]

do you understand what refinancing means?

 

dx

[fkofilee]

Refinancing.... Hmmm....Could it be that they had PPI on both the Starting Mortgage and the refinancing?

Also refinancing on the loan using the house itself is risky.

 

DX, Im not 100% sure what you are trying to get at here... But i could be relatively thick... which i think i am

[dx100uk]

if one loan cleared the debt on another loan

then its called refinancing

 

if this is the case then if no rebate of ppi was given when the old loan was settled

then the eventual ppi reclaim will be huge

as it would have had extra int and even more ppi added by th e2nd loan in the 'chain.

 

and thus if the mortgage is involved [if that settled a loan, etc etc

 

dx

[NORNIRONGIRL08]

Yes from what she has said they would have cleared loans early or topped up. The 20k loan was a secured loan

[dx100uk]

blimey that was hard work...

 

now

 

if refinancing is involved it would be better for you to get all the statements

from BH.

 

dx

 

send them an SAR please.

[NORNIRONGIRL08]

Already done dx got everything yesterday

[dx100uk]

ok brill

well you need to get the loans in date order

and look at each of the satements.

 

the top line will tell you whathas gone on

and on the 'next' agreement

that should also detail the refince of the previous loan.

 

if you want to scan them up.

 

please do

 

details upon how to tackle the refinancing

and the rollover of PPI

from one to the next

 

is detailed in no.1. link below.

 

dx

[NORNIRONGIRL08]

Will scan the 4 of them tomorrow dx. She can but try

[NORNIRONGIRL08]

Didnt get a chance to scan agrements and copies not that great

 

20 December 2001

Loan 1 £12.000 84 monthly payments 204.21

PPI 84 monthly payments = 50.04

Attache with the agreement and statements is a faded photocopy of Payment Preotection Terms and Conditions,

they have signed the credit agreement

but are adamant as it was secured on their house the insurance was compulsory,

also on the Payment Protecton plan description of cover JSS it states

Full - First Named Borrower (+life cover only for Joint Borrower)

 

31/12/02 Settled from new loan 12.210.63

Settlement Interest 1.706.51

Edited October 28, 2013 by NORNIRONGIRL08
spelling

[NORNIRONGIRL08]

Loan 2 31/12/02 Anount £20.000 120 months 243.08PPI = 4.214.30 120 months 51.22 Total repayment = 294.30Loan settled 31.10.03 20.451.53 Settlement Interest 2.549.15

[dx100uk]

if you cant scan use a camera.

 

dx

[NORNIRONGIRL08]

The agrements there are 2 other loans as well

[dx100uk]

att unapproved

 

details still visible.

 

please post up ALL the agreements

that are within this claim so we can have a good stab ay trying to work thinks out>>>>>>>>>

 

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

but leave all monetary figures and dates.

.

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

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

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

.

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

[NORNIRONGIRL08]

Oh ok thought id them all blocked out will try again tomorrow

[NORNIRONGIRL08]

Hope this is ok

[NORNIRONGIRL08]

Any advice?

[dx100uk]

that 2 of the agreements that show PPI

you had 4?

 

what about the statements?

 

 

dx

[NORNIRONGIRL08]

Yep dx got all the statements

[dx100uk]

yes I know that.

 

if you want help in carrying out the info in link 1 below

to workout WHAT is owed

 

then we need to be able to see all the statements

and all the loans agreements in the chain............

 

dx

[NORNIRONGIRL08]

The other 2 agreements are seperate not refinanced. Will scan all statements.