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    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
    • Thanks so much dx. I really am grateful for your advice Billy  
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NatWest PPI Claims


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Hi everyone,

 

I joined the site yesterday and I've been having a good look at PPI threads along with the interest calculator spreadsheets.

 

I am in the process of claiming PPI from 4 NatWest loans that my deceased parents took out in the 80s.

 

NatWest have made offers on all 4 claims but I'm not sure they've worked the interest out correctly - I have queried this with them but they've just sent me a letter repeating the same information as their offers.

 

I've used the PPI spreadsheet on here but NatWest are saying that interest is paid at 15% up to 31st March 1993 then 8% from 1st April 1993 and the spreadsheet I tried only showed 8%.

 

Is there a way I can change it to work out interest at 15%?

 

The loans were taken out in 1983, 1986, 1987 and 1988 so will all have at least 5 years interest at 15% on them.

 

If anyone can offer me any help with this I will be really grateful.

 

Thank you

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yes this is quite correct

and you are the 2nd one to point out NW are offering the correct 15% int for the period it applied

new one on use.

 

you'd have to change the rate in the formula of the statint sheet.

if you have excel that's quite easy to do

I believe when IMS21 wrote them RATE is the variable you need to change.

 

i'll look later

if you cant see it

 

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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Hi dx100uk

 

I've had a look at the statint v101 spreadsheet but I can't work out how to change the formula to 15%

 

If you've got a minute would you mind having a look for me please?

 

Thank you

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Whilst CAG is down the next few days illsee if I can remember excel manipulation...

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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upload is fine just click it and check it downloads yourself is the easy way.

 

the variable RATE is what you need to find and make it 15 from 8

that's exactly the same bit I got too

these were done by me and IMS21 +10yrs ago

whilst cag is down i'll have a nose around on my server and find the notes.

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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Hi

Yes, changing the RATE from 8 to 15 is what I’ve been trying to do but I can’t figure out how to do it. 

Any help with this would be greatly appreciated. 

Thank you 

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It's that calc 

Look at how rate is calc'd and used in it's help on excel I can't at present

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

Hi dx100

I’ve tried all sorts to change the rate, I’ve looked in help on excel but still can’t figure this out as I’m afraid I’m not trained in excel so don’t really know if it’s an easy thing to do or I’m just being thick and can’t suss it out??

I’ve even just asked an accountant - this is the reply they’ve just sent me 

“On checking the notes on the separate tab it does say not to make any changes in the grey columns J and K as this will render the calculations useless. 

We are also unable to change the rate as we can’t see where it is picking the rate up from.”

Please if anyone can help with this it would be brilliant as I would like to send the spreadsheet calculations off to Natwest.

Thank you very much for your help so far

 

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ok ive sussed it out if you look at the RATE help

its actually the calculation of the ratio of days/amount and is actually that an 8% result so tht sheet cant be adapted.you would need to change the RATE ratio calc to get 15% and would need another sheet.

I wonder if you can do it on our old blueyonder one that's around ill find it later

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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I will when the search gets working 

blueyoner and vampire I think were the members that did it

I've got old links but with all the closing of old threads going on

its painful to do a search.

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

Vampira

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

ok got it but the new site doesn't allow .xls

sorting it soon

old CAG PPI Calculator1.xls

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

now in my previous post

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

Hi dx100

 

Thank you so much for this.

 

I've just managed to use it work out the 4 lots of interest at 15% up to 31st March 1993 and then 8% from 1st April 1993 up to today.

 

I've wrote a letter back to NatWest with all the workings out on and I've enclosed 2 spreadsheets as well so fingers crossed they will agree to my figures now 😀

 

 

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well done sorry it took so long I already had the info too!!

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

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