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    • Ok, I've got it now   Loan 1 – 08/08/2000 No PPI   Loan 2 – Refinance of Loan 1 – 13/11/2001 Borrowed                                            £2,880.00 PPI premium for loan 2                  £   440.50 --------------------------------------------------------- Total Loan 2 Amount                      £3,320.50   PPI proportion of loan 2 = £440.50 / £3,320.50 * 100 = 13.27%   Monthly repayment = £99.89   Therefore, PPI element of repayment = £99.89 * 13.27% = £13.26   4 monthly repayments made (on 22/12/2001, 22/01/2002, 22/02/2002, 22/03/2002) which equates to total PPI paid on this loan: 4 * £13.26 = £53.04   PPI carried over to loan 3 below = £440.50 (original PPI premium) - £53.04 (amount repaid) - £97.56 (PPI rebate) = £289.90     Loan 3 – Refinance of Loan 2 – 09/04/2002 Borrowed                                            £2,470.10 PPI premium from loan 2              £   289.90 --------------------------------------------------------- Total Loan 3 Amount                      £2,760.00   PPI proportion of loan 3 = £289.90 / £2,760.00 * 100 = 10.50%   Monthly repayment = £100.00   Therefore, PPI element of repayment = £100.00 * 10.50% = £10.50   1 monthly repayment made (on 22/05/2002) which equates to total PPI paid on this loan: £10.50   PPI carried over to loan 4 below = £289.90 (PPI premium carried over from loan 2) - £10.50 (amount repaid) = £279.40     Loan 4 – Refinance of Loan 3 – 07/06/2002 Borrowed                                            £4,720.60 PPI premium from loan 3              £   279.40 PPI premium for loan 4                  £   223.15 --------------------------------------------------------- Total Loan 4 Amount                      £5,223.15   PPI proportion of loan 4 = (279.40 + £223.15) / £5,223.15 * 100 = 9.62%   Monthly repayment = £250.00   Therefore, PPI element of repayment = £250.00 * 9.62% = £24.05   7 monthly repayments made (on 22/07/2002, 22/08/2002, 22/09/2002, 22/10/2002, 22/11/2002, 22/12/2002, 22/01/2003) which equates to total PPI paid on this loan: £168.35     Total PPI Paid Loan 2                   £  53.04 Loan 3                   £  10.50 Loan 4                   £168.35 -------------------------------- Total PPI Paid   £231.89 Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple                     22/12/2001 PPI payment of loan 2 (Payment 1 of 4) £13.26 6415 £18.71 22/01/2002 PPI payment of loan 2 (Payment 2 of 4) £13.26 6384 £18.62 22/02/2002 PPI payment of loan 2 (Payment 3 of 4) £13.26 6353 £18.53 22/03/2002 PPI payment of loan 2 (Payment 4 of 4) £13.26 6325 £18.45 22/05/2002 PPI payment of loan 3 (Payment 1 of 1) £10.50 6264 £14.47 22/07/2002 PPI payment of loan 4 (Payment 1 of 7) £24.05 6203 £32.82 22/08/2002 PPI payment of loan 4 (Payment 2 of 7) £24.05 6172 £32.66 22/09/2002 PPI payment of loan 4 (Payment 3 of 7) £24.05 6141 £32.49 22/10/2002 PPI payment of loan 4 (Payment 4 of 7) £24.05 6111 £32.33 22/11/2002 PPI payment of loan 4 (Payment 5 of 7) £24.05 6080 £32.17 22/12/2002 PPI payment of loan 4 (Payment 6 of 7) £24.05 6050 £32.01 22/01/2003 PPI payment of loan 4 (Payment 7 of 7) £24.05 6019 £31.85 AWARD CALCULATION         Monthly Payment of PPI £231.89             8% Simple Interest £315.12             Total   £547.01            
    • Question please, if you switch to the free Experian ac when you login within the 30 day free trial period, will the subscription of £14.99 be taken? Do you have to cancel the Experian ac entirely to stop the subscription?   Thanks to all
    • You need to beef it up a bit.... your 11 is tad tame and limp wristed ...you are appalled ...shocked and horrified ...get the word screen shot in and reproducing data without your consent.It has no connection to the claim or add any weight to their evidence in convincing the court  thats charging extortionate fees once a contract is terminated is fair or legitimate and the claimant is put to strict proof to disclose a breakdown of the fee and quantify its losses.   And yes thats a very important valid point you raise by way of you took out this contract in store with ID, which is false, I bought it online with no ID.Show the court that they talk nonsense and know absolutely nothing about the debt they bought for peanuts and that the contents of their statement contain numerous errors and false information......cast doubt.
    • Suggest that you also send a letter to your Insurance company as well.   A third party can simply enter a registration into the Askmid system to find Insurance details.     But mistakes can be made, Enter one letter wrongly and the wrong Insurers receive the claim. If the make of the car was for example a Ford Focus, it is possible a local dealer sold several with very similar registration plates. So even the mistake is not always found by asking the third party to confirm make/model of the car which caused the damage.   Your Insurance company would not advise you of the third party details, due to data protection. They might provide a registration number and advise the third parties Insurance company details. This would give you opportunity of contacting the third parties Insurers to advise of the error that appears to have happened.   Dented door not a problem. Looking for damage that relates to the alleged accident event.   Yes if you were not contactable, the Insurers may have paid the claim. But you could still have made a complaint or took other actions to resolve the matter.
    • Well thats okay...lets see if they comply with the rest of the directions on time.
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snoop1552

Charging order company now liquidated

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Hi all

I've been researching alot

just need a final bit of info please .

 

I found out last year I had 2 charging orders against me /my property , finally found out who they are from

one being Nine Regions which has since been liquidated .

 

I am writing to the court on form N244 to ask for it to be removed .

 

i was seriously ill at the time and in hospital in a coma for quite a while ,

a lot is a blur ,

 

Ive mentioned this and the fact that the company is liquidated .

Is this the correct procedure please ?

 

I know I should write to last known address but on companies house its a c/o address a Corporate recovery company ,

 

should i still write to them or not ?

 

Thanks very much in advance

Edited by dx100uk
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I think I would be very cautious about this. I can't give you definitive advice but you can be certain that if the company has gone into liquidation that there may be creditors and they will certainly be administrators who may take quite a robust view to debts which have been secured by means of a charging order.

 

Somebody else will be along I expect with more specific and more informed advice


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Thanks Bank Fodder , I totally agree , on info Ive read it says the last known registered address , but when i checked on companies house it had this c/o address and alarm bells started to ring !

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Is the property jointly owned and the debts with the CO's just in your name?


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No just in my name ( unfortunately ) and yes debt just in my name

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Dont think N244 is the right route?

 

Did you speak to LR?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Go ring land registry office ask them what you should do?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Lol just come to me ! I have googled their number so will ring them tomorrow thank you

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You cant ask for a charging order to be removed..the charging order only secures the Judgment.....so the only time it will be removed is if you set a side the judgment and defend it successfully or when you have settled the debt in full......current Judgment claimant....liquidated or not.

 

 

Andy


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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Yes my wording on N244 was to set aside the ccj ( catch 22 ) as I don’t have any ccjs , who could the debt be settled with if they don’t exist anymore ?

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Dx thank you ,

I’d not read that thread before very interesting ,

 

the reason I found out about mine Was because I applied for a remortgage and the broker contacted me stated they needed to be settled before they could proceed

 

, it’s taken me months to get the information .

 

Hence me posting this as companies house state “liquidated “ under 9 regions Ltd

Edited by dx100uk
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What was this debt with Nine Regions ...if no CCJ involved...a secured loan ?

 

Log Book Loan by any chance ?


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Then there has to be a CCJ to facilitate a charging order.....only secured loans do not require a CCJ to enable a charging order ?


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I’m presuming the ccj doesn’t show anymore cos it was in 2008 , I obtained a check that I have no ccj’s and also checked with my local court

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Simply dropped off....but its still owing and is secured by the Charge on your property...so I refer you back to my post#10.

 

Regards

 

Andy


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