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gazab41

Gaza B v Alliance and Leicester

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phishing trip IGNORE

 

did you reclaim the PPI and charges yet?

 

dx


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

spreadsheets 

 

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I haven't had relationship breakdown and no work so had problems in my head, getting sorted mind would just like to get rid of allience and liecester/ Santander once and for all

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igonre the little fleecers

 

get onm with your life

 

dx


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

spreadsheets 

 

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this is a really strange one tbh, they have agreed a pay back of ppi.

But very strange there was in theory 3883.64 owing on account In 2009, this includes the 2146 pounds PPi single premium added at beginning of loan , they then calculated interest based on the 35.77 PPi payments I made over 36 months.

 

So total figure offer of 4093 net however they are then taking the full arrears amount off what giving me.

209 after tax which doesn’t make any sense as obviously redress is supposed to put in a position pre ppi.

 

The arrears figure without ppi would be 1737 approx, have a document showing 0.00 owing that is on the thread.

 

They sent transactional history showing these arrears written off for some reason in 2010.

 

Admitted they don’t have records either they have admitted this in writing .

 

I have calculated that purely the 35.77 payments plus stat interest would equate to a lot more then offer even if just gave me that minus the arrears which should be 2000 less.

 

Ps asked me to send income and expenditure so they can decide if to pay me redress and not use to pay arrears, fos want to take it on as odd not seen this before.

 

Thanks again  

may also add if you look at my old post the figures they quote includes the original charge for ppi, so don’t understand how they can give me that back then take it off arrears which includes the ppi amount.

 

They state account written off in 2010 but as you see in other post they were still chasing in 2013.

Why would they ask me to send income and expenditure to see if they can pay me the lot.

 

Fos looking at taking it on as not putting me back in position I would of been in if the PPI could of been claimed in the first place when lost job years ago I would be in a better position and certainly would not have ended up with large overdraft with own bank any help appreciated even if draft income form thanks

 

They calculated payment of 4093 after tax removed 

break down original ppi amount plus the interest on what I actually paid which is 35.77 x 36 months 

orig ppi charge 2146 

interest is 1999

approx figures 

 

arrears listed 3883 which includes the 2146 ppi charge without that should be 1737 owed

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you still got that spreadsheet I did for you?

 

dx

 


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

spreadsheets 

 

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