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hi all,

 

I used halifax website to submit my ppi complaint.

 

they correctly discovered my old loan and credit card 2004/6 and sent me a 7 page questionaire to complete and gave me six weeks to do so... I just had a text msg to say three weeks later they are still waiting

 

questions:

can they really give me timescales to complete their form?

do i really need to complete their form... can i send them a completed fos form which requires much less information?

shouldnt i send them one sar for full statement for each acciunt?

 

any help would be gratefully received

 

zubo

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sar is for ALL the info they hold on you!

but await until GDRP kicks in after the 25th the SAr is Free

 

no use the FOS form!!


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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hi all

 

Not sure why but ive downloaded fos questionarre and using windows 10 and word 2016 i simply cannot enter data into it... it claims the document is protected but i have tried everything i know ... i am an experienced it pro... and its all locked down..

 

has anyone got an unprotected copy or maybe a cag one...

 

btw can some kind admin person change my permissions to post in the library.... many thanks

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Sorry but we don't allow caggers to post in the library. If you think that there is a document we should be there then please let us know.

 

Please can you post a link to the FOS document that you are having difficulty with.

 

Sometimes these protected documents need to be saved onto your own PC under a slightly different name. Have you tried this?


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You have to click " enable editing " in the yellow bar at the top of the doc (protective view)

 

Download the Doc version not PDF and then save as PDF once completed.


We could do with some help from you.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

    Donate button something to the Consumer Action Group   

 

If you want advice on your thread please PM me a link to your thread

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Sorry but we don't allow caggers to post in the library. If you think that there is a document we should be there then please let us know.

 

Please can you post a link to the FOS document that you are having difficulty with.

 

Sometimes these protected documents need to be saved onto your own PC under a slightly different name. Have you tried this?

 

thanks Bankfodder ... the Library access makes a lot of sense...

 

link is here http://www.financial-ombudsman.org.uk/ppi/im-looking-for-your-ppi-forms.html#forms-2

form is attached

 

thanks

 

ppiq.doc

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hi all

 

i am working through the fos ppi questionnaire and worried about a question about

 

c4 have you missed any payment...

 

in the period concerned 2004-2007 i struggled with excessive debt and across 12 or more accounts or loans i stopped paying and issued letters citing unlawful agreements. for the best part of ten years i was inundated with collection demands.

 

so although for a few years i paid ppi ... i left a lot of debt they had to write off.

 

so my question really is ... will this affect any ppi repayment or are they obliged to repay me ppi regardless of outstanding balances??

 

i have had questionairres sent to me by Halifax for a loan and plan to use fos questionnaire... i am planning to reply as follows

 

I managed to pay 30 months and then could mo longer afford to pay, Halifax collecters hounded me for money I did not have causing me distress.

 

any advice gratefully received

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if the oc still own the debt

they could off set


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Hi all

 

In 2004 I took out a loan with Halifax where the PPI was added to the loan.

 

So i paid for 18 months before i couldn't afford any more...

 

In 2013 the balance of £7000 had been sold to 1st Credit now Intrum... they took me to court... i agreed to pay... paid 6 months at 450 then offered a final £5000 in full and final acceptance which was accepted.

 

So who do I claim this final portion of PPI from???

 

thanks

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When you say they took you to court, did they get a judgement? Did you defend? How was the agreement made?

 

The people you will claim against will be the original creditors – Halifax. How much were the PPI payments?

 

Can you tell us more about the £7000 debt? Some of this was comprised of the PPI payments. Some of this was comprised of the interest on the PPI payments. Some of this was probably charges. Please can you tell us about these and their values.

 

Have you paid the £5000?

 

Also, you took out the loan in 2004. You paid for only 18 months. This means that by 2006 you had stopped paying. Had you paid anything between 2006 and 2013?


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You claim as normal from the OC


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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thanks dx...

 

Bankfodder... sincere apologies but i struggle to remember things these days and i am no longer that well documented....

however here is my best recollection...

i ran into serious difficulties in 2007 and gradually stopped all payments to a dozen or so businesses... i am not proud of it... in fact im ashamed of my inability to pay any of my deby.... so i managed to fend off collectors and everyone lost interest about 2010... except Halifax who sold the debt.

 

first credit engaged judge and priestly, they took me to court, my defence was 6 years had expired but they shot that down because it hadn't apparently... they got full judgement... i agreed a repayment of £450 per month paid for 5 months then offered £5000 accepted and paid...

 

yesterday judge & priestley confirmed judgement was for £7223.56 and payments i made. i have the copies sent by Halifax of the agreement and payments made... the apr was 9.3% the proportion of ppi to monthly payment was 0.19 and total ppi charged for loan was £3261.60 ... so the final amount in my spreadsheet adjusts the 5000 final payment to claim only the total on the agreement.

 

can you please check and confirm all ok

 

thanks

CISheet v101.xls

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Someone else will have to look at your spreadsheet to understand it more fully because I'm not sufficiently clever at this kind of stuff to deal with it.

 

However, what concerns me is that you are pursued for a debt but which included mis-sold PPI premiums plus interest so that in fact a certain amount of the debt was not valid because it was comprised of money which had been misappropriated from you. It might even be possible to say that had you not been burdened with misappropriated PPI premiums, that you might have managed the debt.

 

From what I can see of your spreadsheet, you seem to be saying that there was £45.30 being charged per month – was that the PPI premium? You seem to be saying that there was a total of PPI plus interest on it of £6526.13 p. This how much money you think you are entitled to recover?

 

What was the date of the judgement? Is it on your credit file?


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scan up the agreement to PDF please

read upload


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Ping me later been buzy

Dx


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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zubo

 

LOAN 13,160.16+3,261.60=16421.76 total

 

PPI% = total cost for PPI / total cost for loan X 100 = %

 

PPI%=3261.60/16421.76*100=19.86%

 

for your £228.08 paymentsthat £45.30

and ofcourse that % of any other payments made

 

worthy to note they WERE regulated by GISC


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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