Melbourne Mortgages

Re: Melbourne Mortgages

Mary

Now is the time for your final letter before action and this should state that if they do not repay the mis-sold PPI, together with the interest they charged you and also the brokers fee and compensation ( add also charges if this is the case) you will have no alternative but to take your claim directly to the FOS and FSA and or through the courts to recover the monies.

Out of interest were you actually aware that you had PPI?

Were you informed that they would be adding this to your loan and did you agree to this?

Were you aware that PPI was included in the price you were paying?

Did the broker make you aware of the above facts?

Did you also have any charges for late payments, bounced DD's etc as this is reclaimable as well and you should mention this if this was the case in your final letter.

If you want to post a draft letter up here we can help you tidy it up.

You need to have a final letter from them to be able to take this matter to the FOS.

Tuttsi x

Definately keep on with Melbourne but a final letter and no more letters after that as you must then move forward. The FOS are slow but you will get compensation from them eventually.

Thank you, do I keep on at Melbourne then as they say see letter above. I do not really know where to go from here.

[pompeyfaith]

Re: Melbourne Mortgages

yes keep at Melbourne the loan and PPI was on there agreement and was thus paid to them so they are responsible for the mis-sell what the broker does or does not say is nether here or there.

They took the money so it is they that pay it back along with the commission they paid the broker.

PF

[maryneedshelp]

Re: Melbourne Mortgages

Thank you, do I keep on at Melbourne then as they say see letter above. I do not really know where to go from here.

[pompeyfaith]

Re: Melbourne Mortgages

Just had a thought this only takes in into statutory interest at 8% but as this is paid up you want the compounded interest you paid back too at the rate you where charged.

So hang on ill do another.

PF

[pompeyfaith]

Re: Melbourne Mortgages

Here you go, not sure of the actual date of agreement so I've put in the 1st November 2003 for now you can edit this date yourself. :beagle:

[pompeyfaith]

Re: Melbourne Mortgages

Hiya Mary,

Yes I did although now £60 lighter lol still it was a special occasion reaching 16.

Anyway now that I'm at my pc I will take a look at the agreement and have a go at the figures for you.

Ill post my finding later

Regards

PF

[maryneedshelp]

Re: Melbourne Mortgages

pompeyfaith, Thank You,I do hope you had a great birthday for your son.

[pompeyfaith]

Re: Melbourne Mortgages

Maryneedshelp,

Indeed but is not going to happen because we have strong teeth hehe was going to take a look at those agreements last night but forgot it was our sons birthday so had to go out to the harvester so appology for that now i will take a look this evening

Regards

PF

[maryneedshelp]

Re: Melbourne Mortgages

Pompeyfaith & TUTTSI Thank You for your interest in this case, I do think these company's really just fob people of in the hope we will give up and go-away as they have now received
our monies.

Re: Melbourne Mortgages

Mary this will be a good exercise for us as well as our loan seems to have more than doubled.

Let us all hope for a good result.
Tutts x

Trying Hope you get to understand this amount As past posting we paid back over £31,000 ( no wise in head ) when you see figures never again.

[pompeyfaith]

Re: Melbourne Mortgages

i will take a look at those this evening soon as i can get to the pc as im on the mobile at the moment and the text is too small on this little screen lol

[maryneedshelp]

Re: Melbourne Mortgages

Trying Hope you get to understand this amount As past posting we paid back over £31,000 ( no wise in head ) when you see figures never again.

[maryneedshelp]

Re: Melbourne Mortgages

This wont let me attach the agreement I will try it later

[maryneedshelp]

Re: Melbourne Mortgages

I am now posting the last letter + agreement from Melbourne / Prestige I am very down over this but I will fight them all the way as they are like GE Money who just con people I will not let this drop and will get M.P. etc and others involved as the FOS do not really do a lot by what I have read.

[maryneedshelp]

Re: Melbourne Mortgages

Yes I will get these and post them up. Many Thanks for the help here .