Baz1994
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Everything posted by Baz1994
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No only one job caro and only one P60. I have no other benefits with my current employers.
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I have just received a Tax Calculation for 2012-2013 from HMRC advising that I have underpaid some tax. Sorry to sound stupid but on checking the calculations presented against the relevant P60 the PAYE Income amounts differ - Can anyone possibly explain or give a reason as to why this is ?
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Ok thanks but I didn't quote any figures anyway just details regarding mis selling. Should I have submitted the completed spreadsheet details with the FOS CQ or just await their response first ? Or shall I just forward additionally to Nottingham, advising that forgot to enclose with initial submission ? and no I didn't find anything relating to the MIF being dealt with separately but may just put something in writing to that effect anyway and see what they respond with. Further to my earlier correspondences shall I forward completed spreadsheet details to Welcome asking them to include with my previous FOS questionnaire submission ? Please can someone kindly advise how these cowboys obtained my home and work number when I only gave them my mobile details ?
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Right I have now completed 2 spreadsheets one in respect of PPI only and another including MIF. Shall I now just await a response from Welcome as I have already submitted a FOS questionaire by recorded delivery earlier this week ? In respect of the MIF shall I treat this as a separate issue and if so do I address Welcome Finance in Slough or Nottingham ?
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Many thanks again and will certainly be asking Welcome that question and will revert with their response
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Many thanks again for your help and will now add to spread-sheet.
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Sorry just to confirm again that I have calculated correctly :- MIF Fee amount £1,320.00 / Total Loan amount £15,697.43 x 100 = 8.41% £232.74 x 8.41% = £19.57 MIF Monthly contribution amount
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Ok many thanks again and will do. Just completing spread-sheet now and will let you know once done.
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Ok thanks so do I calculate monthly contribution figure in respect of the Mortgage Indemnity amount of £1,320.00 in the same manner ?
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Thank-you and good-night your help very much appreciated.
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One further question before I sign-off - sorry to sound stupid but do I just enter the individual amounts paid of £31.77 or £232.74 ? Sorry getting tired !
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I will enter details into spread-sheet tomorrow morning as there will be quite a few to enter. I have located all payment details / statements from day one till current period in which I will revert as soon as possible for assistance in the matter. Thanks again for your help and will advise further once completed.
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Thank-you for your reply. The figures are as follows :- Loan amount is £12,000 PPI amount is £2,142.43 Acceptance Fee is £235.00 Mortgage Indemnity amount is £1,320.00 Therefore total amount is £15,697.43 APR 20.1% Monthly rate of interest is 1.35% Estimated Repayment period is 180 months Inception of loan 1st November 2003 I may have miscalculated so any assistance would be appreciated
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Sorry yes I have details of figures in question and did try to calculate an amount but didn't seem to work ? I have calculated though a monthly PPI amount of £31.77 which is part of my monthly payment amount of £232.74. I have been paying this for 120 months and still have 60 months of loan outstanding. I used the information from this site to calculate the said amount and now would like to have some ball park figure in mind if I am successful with my reclaim and an offer is made.
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No sorry I have not - please kindly advise further
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Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
