Helping my dad out with this ppi

[Ftgab19]

I used the LoanAnalysis to workout how much was left of loan 1 at the start of loan 2.

 

Just before loan 2 started there was 4,315.90

[dx100uk]

put all you scans into ONE multipage word document

 

 

then PDF that please

 

 

you've far too many single page files to download each one hoping to see the info.

 

 

dx

[Ftgab19]

Hi dx100uk,

 

Sorry it's took so long, been really busy with new year and that.

 

 

I'll make the word tonight and post it tomorrow,

 

 

Don't know if this helps but my dad is 100% that both loans were for £5,000

 

 

so i guess that means the ppi is £265 because he said he can't see what else that extra 265 would be on the loan.

 

Thanks

Andrew

[Ftgab19]

Hi dx100uk,

 

He is all the previous documents I uploaded in one word file made into a PDF.

 

 

I'll be uploading shortly all other information I think might be relevant.

 

 

Many Thanks

Andrew

[Ftgab19]

He is paperwork I think is relevant, dx100uk could you please have a look at the documents and let me know what to do for the spreadsheet.

 

Thanks

Andrew

[dx100uk]

pers details showing names on letters

 

 

un approved.

 

 

dx

[Ftgab19]

Which pdf? I'll get it removed

[Ftgab19]

Okay I've updated the "more information" document so there's no personal information. I've also found a statement of all PPI charges for the 2003 loan. And I think something to do with interest for the loan. It's in the document, under the page titled "Personal Loans Report Cover".

 

I just need to workout what to put in the spreadsheet for the PPI charges. I've done the ppi questionnaire and started making copies of:

 

Personal Loan Agreement

Statements

All letter's about the PPI

 

 

I'm going to look for the 2009 loan statements to and see if I can see any PPI charges. Also how would I do a cover letter for the claim?

 

 

Thanks

Andrew

[dx100uk]

need to known how much of loan 2 was used to pay off loan 1

 

 

it will either be in the last statement of loan 1

 

 

or the first statement of loans 2

 

 

simple figure required please.

 

 

dx

[Ftgab19]

I can't find either of them statements xd100uk. But I've used the loan analysis spread sheet to work it out.

 

My working out:

 

Loan 1 ran for 23 months, 23months into the loan the balance is £3.683.34 according to the loan analysis.

 

All I did was take the information of the loan agreement and put it into the spreadsheet.

 

Is this right?

 

Thanks

Andrew

[Ftgab19]

Should I ring up Halifax and ask them xd100uk?

 

Thanks

Andrew

[dx100uk]

I was musing on that too

 

 

go for it

 

 

dx

[Ftgab19]

Okay I'll ring them tomorrow,

 

 

can I talk for my dad or would he need to do the talking?

 

 

Also will this be ok for my covering letter?

or should I include the 2009 loan and 2006 credit card or should I do another claim for them?

 

 

My Covering letter:

Headquarters

Trinity Road

Halifax

West Yorkshire

HX1 2RG

 

 

Date: 00/01/2015

 

Dear Sir or Madam,

 

Re: Account numbers: (Loan account number 2001), (Loan account number 2003)

 

We am writing in relation to payment protection (PPI) policies, associated with the above accounts, which we do not believe was sold to us correctly or fairly.

 

We believe you have not treated us unfairly for the following reasons:

 

· The term of our PPI covers was shorter than the term of our loans and it wasn’t made clear to us that we wouldn’t be protected towards the end of the terms

 

· The total cost of adding PPI to our loans was not clearly explained to us

 

· We felt that we was being pressured into taking the covers and unable to say no

 

· We was not told how to go about cancelling our polices.

 

· We already had cover in place that could have protected our repayments but was told that we needed to take there covers out too

 

Unless you can provide proof that the polices were appropriate for our circumstances

and that we was treated fairly when you sold us the insurances,

we will expect a full refund of all premiums,

the interest that we have incurred as a result of having the PPI covers and 8% simple interest until settled.

 

We look forward to your prompt response to this letter.

 

If we have not had a satisfactory response from you within eight weeks of this letter we will be taking our complaint to small claims court.

 

Yours faithfully,

 

 

Is this okay?

 

 

Thanks

Andrew

[dx100uk]

hand the phone to dad

he needs to give perm for you to talk on his behalf

if they are not 100% prepared to do court

DONT threaten it.

 

 

use the FOS instead.

 

 

dx

[Ftgab19]

Right ok I will get my dad to do that,

 

 

then I'll request to know how much of loan 2 was payed off for loan 1.

 

 

And well if say the claim is less then £10,000 say the 2 to 3 grand mark,

 

 

could you please tell me how much would court cost,

 

 

what would be the chances and

 

 

what would I need to do.

 

 

Or if you wouldn't mind,

 

 

your best guess as what the outcome would need and be.

 

Many Thanks

Andrew

[dx100uk]

I'd change it to FOS

theres no stopping you doing court

before or in place of the fos.

 

 

or don't threaten anything.

 

 

you have I believe 8 weeks to reply to my complaint.

[Ftgab19]

Okay then I'll change it to fos and go to court only if needed. The bank isn't going to be funny on the phone are they? They should just give a straight answer I'm guessing.

 

Thanks

Andrew

[dx100uk]

I cant see why they would not tell you what you want

 

 

dx

[Ftgab19]

Hi all,

 

Sorry for the wait, but me and my dad have discovered a case of forgery on the copy of the 2003 loan agreement we were sent in the SAR.

 

 

We contacted the police, who said to contact the FOS.

 

 

The FOS said they will contact Halifax and give them the normal 8 weeks to investigate/explain.

 

 

After that we can either go to court or let the FOS deal with it.

 

What was forged:

 

My parents signatures

The witness signature and address

PPI Personal Loan operation signature

His name, address and the date

 

The PPI signature, name, address or date was not on the original loan agreement.

Also my parents signatures don't match the ones on the orignal loan agreement.

 

When i rang them to ask about how much of loan two was used to pay of loan one.

They said they couldn't tell me on the phone for security reasons...

even thou my dad told them I was speaking on his behalf.

 

 

they said my dad would need to come into Halifax with the agreements.

 

Would like some advice on this

 

As always many thanks

Andrew

[dx100uk]

so how/ where was the 2003 loan taken out?

[Ftgab19]

It was taken out in a Halifax branch on the 22/04/2003.

 

Thanks

Andrew

[Ftgab19]

I'm thinking if the spreadsheet is just a very good estimate, could I not use the outcome of the Loan analysis to workout the charges? I'm only thinking this because I'll have to write to Halifax for the information otherwise. And I would like to just get the claim off since there going to argue with my figures anyway.

 

Thanks

Andrew

 

I can't find either of them statements xd100uk. But I've used the loan analysis spread sheet to work it out.

 

My working out:

 

Loan 1 ran for 23 months, 23months into the loan the balance is £3.683.34 according to the loan analysis.

 

All I did was take the information of the loan agreement and put it into the spreadsheet.

 

Is this right?

 

Thanks

Andrew

[dx100uk]

It was taken out in a Halifax branch on the 22/04/2003.

 

Thanks

Andrew

I cant see how it can be filled out fraudulently if it was done in branch

he must of been there to sign it.

 

 

dx

[dx100uk]

I'm thinking if the spreadsheet is just a very good estimate, could I not use the outcome of the Loan analysis to workout the charges? I'm only thinking this because I'll have to write to Halifax for the information otherwise. And I would like to just get the claim off since there going to argue with my figures anyway.

 

Thanks

Andrew

 

 

yes, ims21 has recommended that method

 

 

so XX% of that lump sum is PPI

 

 

dx

[Ftgab19]

Right ok I'll do that,

 

Could you give me the calculation I need to workout the % of loan 2 PPI charges to workout the rest of Loan 1 charges after loan 2 was took out.

 

Also the loan agreement for loan 1 says the charges are 5.66, but the "Halifax Insurance Paperwork" the bank sent me says it was 5.39. The paperwork has dates for the payments but I don't no what the other charges for the rest of the loan are.

 

So should I just guess and say there 5.66 for the statements i don't have since that's what the agreement says?

 

Many thanks

Andrew