I am going to put down in a logical coherent manner... .the original loan and its settlement date (showing early repayments to NIL) ..the associated figures for loans/APR/interest/total monthly repayments .the 2 subsequent consolidation loans and their settlement dates (showing early repayments to NIL) ..the associated figures for loans/interest/APR/total monthly repayments... This information is ALL on the Personal Loan Account (Transaction History).... I am just collating al info on piece of paper...and will post tomorrow....from that I may need to understand principles of application onto spreadsheet... I truly hope:pray2: that it will work out Many Thanks for your time ims21:-)

Thnks will do it..

Ims...I have read your signature page regarding single PPI I am a little confused:???: as to which of those scenarios would apply to my HBos Halifax loan Generally speaking.. .ORIGINAL Loan 1 was consolidated by loan 2 then consolidated by loan 3...£5000 then £10000 then £15000 Can you let me know which scenario and I'll go back and read that scenario in depth.. Also is 'rollover'loan another name for consolidated loan thnks:-)

Subbing

Thanks I am subscribing to this thread...as my Halifax had original loan which was consolidated into loans 2 and three and PPI and costs/interest accumulated..so I will be watching this thread with interest...and clicking onto the links within it for further information.:-)

My friend never received a letter....I was proactive and he got an unacceptable offer...but an offer nonetnless...we are putting in a revised counter offer...using the spreadsheets kindly provided by site team...so yes get goin:-)g

Honestly Dougal16T you are more complicated than the cryptic crosswords at times:lol: Affect us positvely OR negatively?

yes they appear to be avoiding the effects of the decision in relation to PPI where there is now a duty to pay back

Your agreeement having been signed in 1998 is governed by the Agreements regulations 1983 and as such MUST be headed Credit Card Agreement Regulated By The Consumer Credit Act 1974 the 'financial and related conditions are simply another section that contains the prescribed terms i.e APR,rate of interest etc... WITHIN the whole of that Agreement...it also looks like they have just copied and pasted those sections together higgledy piggledy....

I was advised that It's usually recommended to be the Purchase Rate

What about the other side?

Section 13d -'We may reveal your personal information to if you arrange insurance through us,that insurer .. This is NOT the same thing as saying knowledge of INSURER will be brought to the debtors mind.....it's all in the small print you need to read it all and then it will make sense The fact of insurance is not mentioned anywhere else in the standard terms and conditions.... Have a look to see if you have similar in your t&c's

Your document is too small to see...the one I was reading was one I did for a friend dated approx 2002...can you enlarge this doc

Those appears to be the standard terms and conditions....LOOK to section 13d....it amounts to knowledge of the DEBTOR will be brought to the attention of the INSURER ...but not the other way round!!! I used this and they quickly banged in an offer.....but the offer was on the low side and so I have counter offered with a little help from site members.. This is a MAJOR FLAW in those TERMS for that period and whenever they were used for PPI

Well what can we read into this then?

You could do...However one thought to keep in mind though is that they may use the argument that 'it would not have made any difference in particular to you because by the time you had made any attempt to cancel it was well outside the full 14 days anyway... you need to weight it up ...dont want you to throw good more money after bad...

Thank you ims...shall work on mbna and hbos on Thursday...much obliged to you

This may sound very technical...but as with the Merchant of Venice....'within 14 days is not really giving you THE FULL 14 days...if they are using every shylock method then they may also be caught within it. The cancellation format may not be in the prescribed requirement...you are fighting for your life here (well not literally...but you know what I mean) and you need to pull every means out 'of the hat'

How does one actually proceed to use method to work out refund plus CI plus Stat Int for missing months...surely the final total depends on compounding...and to take an average would be to discount that comopunding would it not.... For example 06/10/2003 - 05/07/2005 were not even in the monthly statements so have no figures at all for that period 05/07/2005-03/06/2010 there are figures except for 7 months in between that are missing...so surely the method for calculating both periods would be different...05/07/2005-03/06/2010 will obviously have figures either side of the missing months and so an average CAN be taken whereas not for period 06/10/2003-05/07/2005 for the period 06/10/2003-/03/06/2010 Any advice most helpful on this matter as I can then begin to start putting in a figure. for MBNA if they come back again with a nonsense offer..and use the method on my HBOS PPI thread without having to clog up your time:oops:...and also this is probably a common question for most caggers who can learn from this thread how to apply the 'method' Thank you

Are there any cancellation rights on the form that you allegedly signed with Claims company and I assume that if there was..the time for cancelling has expired

Hi ims the above post relates to an account that he is already dealing with thru a CMC...so no worries..thnks anyway

Here it is.... DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST Customer Assistance Department MBNA Europe Bank Ltd PO BOX 1004 Chester Business Park Chester CH4 9WW ACCOUNT NUMBERS: Acct No: Acct No: [For Attn of DATA CONTROLLER C/o Customer Service] Please supply me with ALL data that you hold on me in respect of ALL the agreements with regard to the above accounts and a Credit Card number for your attention This includes in particular, but is not limited to, the following:- 1. The original signed, executed credit agreement and any TERMS & CONDITIONS that applied to the account AT THE TIME of default and at the time the account was opened. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor 3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR. 4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold. 5. DOCUMENTS RELATING TO ANY INSURANCE added to the account, INCLUDING the insurance contract and terms and conditions, date it was added and deleted (if applicable). 6. DETAILS OF ANY COLLECTION CHARGES added to the account; specifically, the date it was levied, the amount of the charge, a DETAILED financial breakdown of how the charge was calculated, and what the charge covers. 7. SPECIFIC DETAILS of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 9. A list of third party agencies to which you have disclosed my personal data and a summary of the nature of the information you have disclosed. 10. COPIES OF STATEMENTS FOR THE ENTIRE DURATION of the credit agreements. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I have also enclosed copies of statements in order to provide prima facie evidence of PPI and to aid your investigations, therefore there should be little or no issues in producing the requested information. your faithfully

You could SAR them if you have not already done so. .. sometimes this can show method of sale. ..thats what i did and it showed a history on the account. ..they made a quick offer ...and with the help of ims21 and dx100uk the offer seemed too low. ..I have claculated a revised offer and sent this off to them

Thanks ims as always...I will avoid using these arguments and just send them in a schedule of claim...for Visa card number1... Another thing ...what does this mean....tyoday i received a letter from Halifax After ONLY having sent in SAR....They have said that there is a 'window of 14 days after which the file will be closed' I have not even sent in a request for refunds yet...that Would have been my next letter... What is going on? rgds

to the above post please?... Also...the Consumer Credit (Agreements)(Amendments)Regulations 1984...states that....a statement of protection and remedies should be in the content of the principal agreement...if NOT then it should be in the subsidiary agreement..'contract of insurance',,,however it is in neither in my form...whats the position on this? m2ae