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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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franko3209

Wescot and paypal debt - buyer not received item

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Posted (edited)

Sold item on ebay, posted item to buyer after receiving payment. Buyer claims non receipt, ive now received 2 letters from westcot demanding £103.i know i should have sent the item recorded delivery, but wife was in hospital so i forgot to send it this way.will westcot take me to court? Am on low income and cant afford to pay this.

Edited by franko3209

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No they wont ......Ambulance Chasers...they dont do court

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And neither can ebay/PayPal do anything to you

Just remember a DCA is NOT  BAILIFF 

And have

ZERO legal powers

 

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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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Any cards linked to paypal account should be reported to your bank as lost or stolen. This stops paypal taking money from them.

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no simply remove them from the account


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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thread title updated


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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Think you cant if paypal balance is negative.

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Yes you can.  Otherwise theyd be in a LOT of trouble with the regulators.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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posts moved to your own topic

please keep to it.

cancelling the cards does NOT remove the CPA.

easiest way is simply to remove the funding from paypal.

 


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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you can remove the authority for them to make automatic payments, that is easy. they may insist that you keep a payemtn method on their files but that doesnt mean that they can dip into your bank account. I would tell the bank you have cancelled any authority that paypal had and that way if they do grab your money the bank is liable.

 

Now it is common for crooked buyers to claim non receipt of posted items where a sig is required. there is a way to defeat such a claim but too late now. In th future you send out recorded or you will "lose" every item you send.

Now ignore wetcloths and any other dca.

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Did you get any proof of postage from the Post Office when you sent the item?

 

Most item through Royal Mail have some tracking that let you know the item has been put out for delivery. It isn't like signed for.

 

Did the buyer open a case through eBay or straight to Paypal?

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