Ppi put me in bankruptcy !!

[dx100uk]

the question in post 6 needs answering

 

dx

[wendyboats]

somethings not right here....

 

the PPI was cancelled / last charged 22/08/2008.

 

interest ran until 22/11/2009.

 

if the account was terminated then they cant charge interest

 

i'll go look at your other thread.

 

dx

 

 

 

Hi dx

 

 

The PPI and card remained live throughout the 18 months period then

 

when they put it in default it all got cancelled as I understand this !

 

I never cancelled anything,

 

I never received any communication from Capone since Dec of 2006,

 

I contacted them 4 times by phone and letters regarding change of address and activating the PPI due to illness in April 2007 and Dec.2007

and continued paying DD for the 18 months period.

 

Hope this helps WBx

[dx100uk]

ah just reread the statements

 

they didn't charge int passed the termination date.

 

you also have penalty fees within range too.

 

is this going to end in court eitherway?

 

dx

[wendyboats]

ah just reread the statements

 

they didn't charge int passed the termination date.

 

you also have penalty fees within range too.

 

is this going to end in court eitherway?

 

dx

 

 

Thank you dx, Yes I am in process of court of appeal and it was just to clarify what the total amount of money should have been taken into account as being reclaimable I think, which then would have brought it under the £750.00 required for them to bankrupt me.

 

 

The fact that they would have known this prior to application and the fact it was kept from the judge and from me until now will be a factor I am sure !

 

 

As it is my understanding of the application of insolvency law that the creditor must list amounts of money that are interest payments and PPI etc. On a separate amount from the total debt . BW Legal did not disclose this debt as anything less than my total outstanding debt owed.

 

 

Regards WBx

[dx100uk]

then all the penalties from day one apply

 

give me a while

 

the ppi spready earlier is also wrong.

 

dx

[wendyboats]

then all the penalties from day one apply

 

give me a while

 

the ppi spready earlier is also wrong.

 

dx

 

 

Sorry dx what dose this mean ? Are they intituled to all the penalty fees ? what spread ? Sorry am confused as to is this good or bad for me ? WB awaits xx

[wendyboats]

Sorry dx what dose this mean ? Are they intituled to all the penalty fees ? what spread ? Sorry am confused as to is this good or bad for me ? WB awaits xx

 

 

I know its late but when you say all penalties apply from day one is that on me or on them??? Anxious to response dx with thanks wb x

[dx100uk]

you can reclaim ALL of them at THEIR interest rate

an all the ppi at their int rate.

 

lots of money off

 

dx

[wendyboats]

you can reclaim ALL of them at THEIR interest rate

an all the ppi at their int rate.

 

lots of money off

 

dx

 

 

OMG Thank you dx....You had me worried for a moment ! I was worried because I know you know all as regards PPI , a thousand thanks for your help here dx wendyboats xx

[dx100uk]

merry xmas

[gerson]

Hi All,

 

Merry Christmas and a Happy New Year to all

 

Looks as though DX has given Watson a nice Christmas present in those claim spreadsheets

 

G

[wendyboats]

merry xmas

 

 

 

Hi dx

 

 

Just come on line after a busy 2 days and saw this post I am going to view it now, but thank you so much in advance and hope you had a great Christmas wb xxx

[wendyboats]

Hi All,

 

Merry Christmas and a Happy New Year to all

 

Looks as though DX has given Watson a nice Christmas present in those claim spreadsheets

 

G

Thank you gerson I am trying to view them now wbxx

[wendyboats]

I can not view spread sheets at moment have to get something to download it with, will let you know when I have wb x

[wendyboats]

merry xmas

 

Having another go at downloading wbxx

[wendyboats]

No luck with viewing dx100 PPI spread sheets I have tried everything as I wanted to include them in my appeal papers, anyone got any idea's how I can view them ? WB XX

[ims21]

Have you downloaded and installed OpenOffice as previously suggested?

 

https://www.openoffice.org/

 

Alternatively you can get Excel viewer from here

 

http://www.microsoft.com/en-us/download/search.aspx?q=viewer

[wendyboats]

I have tried to download as suggested been trying for hours'....................I know its probably me as I am hopeless at this, but really want to include them in my appeal that I must send off on Monday !

 

 

Thanks for quick response I shall continue trying and update soon WBxx

[dx100uk]

in pdf

[wendyboats]

Thank you , Thank you , Thank you , PDF worked and have printed off........... So am I right in understanding this means...PPI owed is £696.85. and refundable charges are £2,294.57. ? Really ?.... OMG...dx100 you are wonderful to have done this on xmas day for me, I am so grateful to you really I am xxx

 

 

I am putting in with my appeal to show the Judge , CAG YOU ARE THE BEST!! Happy new year to you all, love Wendy aka Watson on the case xx

[dx100uk]

someone with more knowledge needs to confirm here the restitution bit

 

but you need to insert somewhere that the sums claimed are at THEIR interest rate and are being reclaimed in restitution.

dx

[wendyboats]

someone with more knowledge needs to confirm here the restitution bit

 

but you need to insert somewhere that the sums claimed are at THEIR interest rate and are being reclaimed in restitution.

dx

 

 

 

Yes I understand this and will add this fact now.......... As I have said above dx100 Thank you soooooooooooo much , I am sending you Big Hugs xxxxxxxxxxxx

[wendyboats]

Happy New Year to everyone here at CAG..................Lots of love and best wishes WendyB xxxxxxxxxxx