PPI Questions and hopfully answers :)

[Turboman]

Re: PPI Questions and hopfully answers

Ah right, Well let me dig that out, I was just -with this post, looking at unfair charges if at all possible, starting with the top fo the page where they write- 48 x £166 and they have insisted on paying £182 always, which is incorrect, and then when i canx my PPI they wanted more, the PPI i realise wont be able to be sorted through this statement as it doesn't really show where i have paid - which is a noob mistake by myself - guess ill have to wait for the SAR?

Sorry Turbo - Can you advise on the charges i.e how they have put default charge and charged me three times on one day etc?
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what do you mean by the split aswell sorry about that.

The amount of the Loan Advance & the anount of the PPI Loan
And related monthly payments
We are going to use the ratio of PPI LOAN to (CAHLOAN + PPI LOAN) as an apportionment factor of yur montly payments later on

Ideally-you should have had a thread about charges in the appropiate forum & one about PPI here----totally different issues

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Ah right, Well let me dig that out, I was just -with this post, looking at unfair charges if at all possible, starting with the top fo the page where they write- 48 x £166 and they have insisted on paying £182 always, which is incorrect, and then when i canx my PPI they wanted more, the PPI i realise wont be able to be sorted through this statement as it doesn't really show where i have paid - which is a noob mistake by myself - guess ill have to wait for the SAR?

Sorry Turbo - Can you advise on the charges i.e how they have put default charge and charged me three times on one day etc?
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what do you mean by the split aswell sorry about that.

[Turboman]

Re: PPI Questions and hopfully answers

[ATTACH]4453[/ATTACH]

Hope this has worked this time, I did nothing different just wanted to work this time i guess??

What are we concentrating on PTD---these are charges but your opening post is about PPI & you aint shown us the loan agreement details yet with the split?

[PocketTheDifference]

Re: PPI Questions and hopfully answers



Hope this has worked this time, I did nothing different just wanted to work this time i guess??

[Turboman]

Re: PPI Questions and hopfully answers

Morning! I have the scans here! Looks here like they have been conning me for a few years anyway, it says clearly on this paper that I should b paying £160 when they have been charging me £190 a month, PLUS after taking off the PPI and other insurances, payments went up HA!
I've Blanked out the account name, and address, Anything else let me know.

Although I have a problem, I can't seem to upload that file at the moment i've put it into word Doc and it wont upload any ideas anybody??

MANAGE ATTACHMENTS|BROWSE|UPLOAD

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Morning! I have the scans here! Looks here like they have been conning me for a few years anyway, it says clearly on this paper that I should b paying £160 when they have been charging me £190 a month, PLUS after taking off the PPI and other insurances, payments went up HA!
I've Blanked out the account name, and address, Anything else let me know.

Although I have a problem, I can't seem to upload that file at the moment i've put it into word Doc and it wont upload any ideas anybody??

[Turboman]

Re: PPI Questions and hopfully answers

Hey Guys,
Got a Letter from the people, pages and apges of them charging me, basically a statement hoping to scan and get it up here tomorrow, back to work and all that.

It will turn out they currently owe me more than I owe them, which is madness that i have to fight so dam hard for it.

Theres a lot of times where they charge £50 for defaulting but iveno defaulted but they leave the charges on my account....lol...

Cheers PTD----me & Bill will look at your stuff when you scan it

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Hey Guys,
Got a Letter from the people, pages and apges of them charging me, basically a statement hoping to scan and get it up here tomorrow, back to work and all that.

It will turn out they currently owe me more than I owe them, which is madness that i have to fight so dam hard for it.

Theres a lot of times where they charge £50 for defaulting but iveno defaulted but they leave the charges on my account....lol...

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Ill get them up asap if i can remember where i put them, Like i said though tough one to read, its a photocopy of them and are really poor to read, but I swear NEVER had any paper that told me how much they charge EVER.

[TANZARELLI]

Re: PPI Questions and hopfully answers

All charges and interest should be in the T&Cs any changes to the T&C's should be made in writing to you.

Do you still have the T&Cs? If so post it up.

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Sorry to Bother but one other Question, Do the Loan Company have to state the terms of Charges and interest? I only Ever had a poor photocopy and Im pretty sure it Never stated charges amounts, so technically they could charge what the hell they want, how are loan companies allowed to do that?
Under section 77-78 Consumers rights I will request a copy of the agrement, but I can swear on anybodys life that all i ever had was a copy and that is it no charges leaflet no letter of possible intent. the more i delve into this case the more it seems as dodgey as hell!!!!

Pock

[PocketTheDifference]

Re: PPI Questions and hopfully answers

How long since you first complained against them re the PPI?

about 2 years, but Im sure they will decide thats not correct it appears they reply pointlessly with no good answers and offer nothing, on top some times no reply so obviously just trying to get away with it.
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Oh an Ill Join VIP soon

[Turboman]

Re: PPI Questions and hopfully answers

Cheers Turbo,
Nothing I can do I guess, I wasn't aware that i had given that much info away, so i was suprised to see it to say the least, as long as they get a good read though

due to phone them for a payment so I will send them an extra £10 and SAR them, see where we go from there.

cheers.

Changing your Id is not foolproof on here btw--very easy to work out your old ID by us "geeks"---ask Mash99 for instance --+VIP fee of £9 pa is set against tax for covert firms-so still-be careful

[TANZARELLI]

Re: PPI Questions and hopfully answers

How long since you first complained against them re the PPI?

[Amethyst]

Re: PPI Questions and hopfully answers

Post in VIP, then they can't follow you xx