Hamilton/HFC/Endeavour - Reclaim PPI

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Got em all---will study this aft Di--theres enough info around to check everything

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Settlement letter now sent to your email addy Turbo cheers x

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

NoNoNo----much more---I aint added PPI together yet and put 8% on



Theres loads more you should have------give me all the letters you have-----you know my E-Mail addy if private hun

Oh my!

For this offer there is no proper breakdown, but will see what i can post up, if i can't do this tonight i shall do tomorrow turbo as my scanner is doo lally again lol.
Which is why i have been hand writing the letters received in myself lol.

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Cheers turbo

So it looks like they are leaving us out of pocket by about £171?

NoNoNo----much more---I aint added PPI together yet and put 8% on



Theres loads more you should have------give me all the letters you have-----you know my E-Mail addy if private hun

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Cheers turbo

So it looks like they are leaving us out of pocket by about £171?

[Turboman]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Thank you folks.

I am not the one for calcs though so not even sure if this is correct.

But do have these details here.

Loan was from 30/08/2004 to 30/10/2005 Settled early.

So the first repayment was above as the loan was taken out the month before on 30 July 2004.

Loan £21 000 @ 300 months
PPI £2835
Total loan - 23835
when settled they gave a part rebate of around £1553. 69 (Rule of 78)
Interest Rate 9.52 % per annum fixed for the first 12 months, and thereafter variable.
9.9 %

Monthly loan repayment £208.51

They did not actually give a detailed breakdown of this letter though but worded it like this......

Premiums paid from 30/08/2004 to 30/10/2005 £1,771.54
Plus 8% interest at 8% £847.46
Total refund - £2,619.00

When we settled the loan in full we paid £23646.04

Di
do you have your settlement letter

A loan of£23,825 with payments of £1,771.54( which at the very least shouldtread water or reduce the debt) and a settlement figure of £23,646 is unusual after a rebate of £1,553

As myself and Bill emphasise, the big refunds are in the Apportionment of the Settlement figure due to PPI---ie

in your case PPI to Total Loans is 2835: 23,835 = 11.8%

sooooooooo--11.8% of the settlement was PPI--ie--11.8% of 23,646 is £2790

PLUS ppi apportioed from the 14 months of the loan


SOOOOOOOOOOOOOOOO---hang on--I'm not happy with your offer at all-give me as much info you have ---and I'll get Bill over and we'll discuss your situ together on your thread

Re: Hamilton/HFC/Endeavour - Reclaim PPI

lol, you'll probably see your electricity or 'phone bill delivered! :-)

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

With the compo for distress as the icing!

Yes too right TDS lol.
I shall be watching my letterbox in the morning.

Re: Hamilton/HFC/Endeavour - Reclaim PPI

With the compo for distress as the icing!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

Yeah ok, and that will be BIG CAKES with a bit of luck lol

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I can't wait! Cakes all round then Di!
------------------------------- merged -------------------------------
But keep Winner away from them!

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

well, a new house, a new car and a holiday in Bermuda would be good

otherwise maybe £300 tops in compo! But I think you should back up your request with a detailed letter spelling out how much time and how many resources have been expended by you in this due to their negligent handling of your claim.

Now that would be nice lol

Just heard from them now again by email and was told another acceptance form is on its way, and to treat this separately to the one we already received, and both will be dealt with withing 28 days of them receiving them.

So obviously there's an offer on the way, should be here tomorrow I expect.

Yes have already mentioned all that TDS, and thank you all so much, you've all been fab xx

Re: Hamilton/HFC/Endeavour - Reclaim PPI

£50 squid i expect lol

So what would you call fair?

well, a new house, a new car and a holiday in Bermuda would be good

otherwise maybe £300 tops in compo! But I think you should back up your request with a detailed letter spelling out how much time and how many resources have been expended by you in this due to their negligent handling of your claim.

[di30]

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I dont think that £50 is fair at all Di, after all you have had a total nightmare sorting this one out. and many hours of researching, letter writing etc etc.....and your health has suffered as a result of their negligence in accepting your claim in the beginning.

So true Tuttsi

If they came back with this offer of £50 I will not be happy.

Was checking through the FOS site on the categories of further redress, and the min is I think £100, I don't think I would be happy with that either to be honest. xx

Re: Hamilton/HFC/Endeavour - Reclaim PPI

I dont think that £50 is fair at all Di, after all you have had a total nightmare sorting this one out. and many hours of researching, letter writing etc etc.....and your health has suffered as a result of their negligence in accepting your claim in the beginning.

£50 squid i expect lol

So what would you call fair?

Looking through the FOS site it varies due to the personal circumstances etc etc...
I shall post up as soon as the offer arrives, if any of course lol.