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Hi all

 

I was hoping someone could work out a rough idea of the refund amount on the following loans or tell me how to do it, the complaint is upheld by my adjudicator and I am waiting for final confirmation from PDUK. I can't get my head round what I have paid, some figures are in brackets and there is Interest deferral, deposit, repayments !! I don't know what i am supposed to be adding up here ! Any help would be appreciated

 

 

10 January 2011 Interest | Deposit £100.00 £500.00

10 January 2011 Principal | Deposit £400.00 £500.00

15 February 2011 Principal | Repayment (£100.00) £400.00

15 February 2011 Interest | Deferral (£100.00) £500.00

15 February 2011 Principal | Deferral (£300.00) £500.00

15 February 2011 Principal | Deferral £400.00 £500.00

15 February 2011 Interest | Deferral £100.00 £500.00

15 March 2011 Principal | Repayment (£100.00) £400.00

15 March 2011 Principal | Deferral (£300.00) £500.00

15 March 2011 Interest | Deferral (£100.00) £500.00

15 March 2011 Principal | Deferral £400.00 £500.00

15 March 2011 Interest | Deferral £100.00 £500.00

15 April 2011 Principal | Deferral £400.00 £600.00

15 April 2011 Interest | Deferral £100.00 £600.00

15 April 2011 Interest | Deferral (£100.00) £600.00

15 April 2011 Principal | Deferral (£300.00) £600.00

15 April 2011 Principal | Repayment (£100.00) £500.00

13 May 2011 Principal | Repayment (£100.00) £400.00

13 May 2011 Principal | Deferral £400.00 £500.00

13 May 2011 Interest | Deferral £100.00 £500.00

13 May 2011 Interest | Deferral (£100.00) £500.00

13 May 2011 Principal | Deferral (£300.00) £500.00

15 June 2011 Interest | Deferral £100.00 £600.00

15 June 2011 Principal | Deferral £400.00 £600.00

15 June 2011 Interest | Deferral (£100.00) £600.00

15 June 2011 Principal | Deferral (£300.00) £600.00

15 June 2011 Principal | Repayment (£100.00) £500.00

15 July 2011 Principal | Deferral (£300.00) £600.00

15 July 2011 Interest | Deferral (£100.00) £600.00

15 July 2011 Principal | Deferral £400.00 £600.00

15 July 2011 Interest | Deferral £100.00 £600.00

15 July 2011 Principal | Repayment (£100.00) £500.00

15 August 2011 Principal | Deferral (£240.00) £585.00

15 August 2011 Interest | Deferral (£100.00) £585.00

15 August 2011 Principal | Deferral £340.00 £585.00

15 August 2011 Interest | Deferral £85.00 £585.00

15 August 2011 Principal | Repayment (£160.00) £425.00

15 September 2011 Principal | Deferral £280.00 £495.00

15 September 2011 Interest | Deferral £70.00 £495.00

15 September 2011 Interest | Deferral (£85.00) £495.00

15 September 2011 Principal | Deferral (£195.00) £495.00

15 September 2011 Principal | Repayment (£145.00) £350.00

14 October 2011 Principal | Deferral (£160.00) £407.50

14 October 2011 Interest | Deferral (£70.00) £407.50

14 October 2011 Principal | Deferral £230.00 £407.50

14 October 2011 Interest | Deferral £57.50 £407.50

14 October 2011 Principal | Repayment (£120.00) £287.50

31 October 2011 Principal | Deferral (£142.50) £337.50

31 October 2011 Interest | Deferral (£57.50) £337.50

31 October 2011 Interest | Deferral £50.00 £337.50

31 October 2011 Principal | Deferral £200.00 £337.50

31 October 2011 Principal | Repayment (£87.50) £250.00

30 November 2011 Principal | Repayment (£80.00) £170.00

30 November 2011 Interest | Deferral £42.50 £212.50

30 November 2011 Principal | Deferral £170.00 £212.50

30 November 2011 Principal | Deferral (£120.00) £212.50

30 November 2011 Interest | Deferral (£50.00) £212.50

30 December 2011 Principal | Deferral (£97.50) £247.50

30 December 2011 Interest | Deferral (£42.50) £247.50

30 December 2011 Interest | Deferral £35.00 £247.50

30 December 2011 Principal | Deferral £140.00 £247.50

30 December 2011 Principal | Repayment (£72.50) £175.00

31 January 2012 Principal | Repayment (£65.00) £110.00

31 January 2012 Principal | Deferral (£75.00) £137.50

31 January 2012 Interest | Deferral (£35.00) £137.50

31 January 2012 Principal | Deferral £110.00 £137.50

31 January 2012 Interest | Deferral £27.50 £137.50

02 February 2012 Principal | Repayment (£110.00) £0.00

02 February 2012 Interest | Repayment (£27.50) £0.00

02 February 2012 Principal | Deposit £420.00 £525.00

02 February 2012 Interest | Deposit £105.00 £525.00

29 February 2012 Principal | Deferral (£315.00) £630.00

29 February 2012 Interest | Deferral (£105.00) £630.00

29 February 2012 Principal | Deferral £420.00 £630.00

29 February 2012 Interest | Deferral £105.00 £630.00

29 February 2012 Principal | Repayment (£105.00) £525.00

30 March 2012 Principal | Deferral (£315.00) £630.00

30 March 2012 Interest | Deferral (£105.00) £630.00

30 March 2012 Interest | Deferral £105.00 £630.00

30 March 2012 Principal | Deferral £420.00 £630.00

30 March 2012 Principal | Repayment (£105.00) £525.00

13 April 2012 Principal | Repayment (£420.00) £0.00

13 April 2012 Interest | Repayment (£105.00) £0.00

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There are two loans within the list, but yes they were pretty much rolled over and over and over, I just don't know what amounts I am supposed to look at, deferral, repayment, deposit etc...

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Well its not a specific amount and there is no sure way to get a to a reasonable amount in which you can claim.

 

You could ask for all the rollover fees etc back which i think would be reasonable.

Have a look through the forums, I once drafted a very good letter to use.

 

If rolled over, it would be against the new rules and to me with the constant deferrals you could be looking at a little bit of return here.

If you need help please let me know.

 

Just a warning Instant Cash Loans Inc take forever to reply... So this will be a slow process

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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