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Help with Halifax loan paperwork


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hello

 

 

I have just found(searched the house) the actual agreement of Halifax personal loan wondering if someone could help me work out how much I can reclaim ?

Taken May 2005

Credit: £6500 Arrangement fee:£65

total charge for credit 1799.68

48 monthly repayment of 172.91

APR 12.1%

monthly Interest rate 0.928%

Insurance premium Tax included, insurance premium at 5%

 

 

 

 

with this information can I send letter requesting refund, I need a spreadsheet but can't open any of the spreadsheet links on here, can open spread sheet relating to bankcharges from 2007, is the spread sheet the same

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have a look at link 1 below

its really easy

 

 

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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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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  • 2 months later...

Hi all

 

Can anyone tell me about Insurance Premium Tax?

 

My Loan with Halifax states that it is included at 5%, am I right that it is tax that is added to insurance premium

 

Requested and received paperwork under SAR, but Halifax didn't included the "annual statement" that I have a original copy of where it tells me that this IPT is included, but they did send a "loan report" dated within the 40 days, that tells me that IPT is nil

 

any information on why this tax was added would be great

thanks lizzy

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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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Thanks dk

 

between your link and spoke to FOS office, know now that IPT is only included on personal loan when Insurance policy has been added.

 

But how can I work out a SOC charges if I don't have the insurance premium amount?

 

 

Halifax still not telling me policy added.

 

thanks lizzy

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but have you all the statements that show monthly ppi charges?

just use those

 

 

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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Share on other sites

Bumping as interested in thread....... Especially possible reclaim of Total charge for Credit ?

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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you cant reclaim total charge for credit

simply the monthly amount levied for PPI + 8% statint.

 

 

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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