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Hi SnV,
Happy New Year to you, let's hope it s kind to all of us.
I thought I would start a new thread for P2P, which was incorporated in my LS thread.
If you remember I sent a letter of compliant in April 2015 and received a response back saying I would have a response within 8 weeks. Well the 8 weeks passed and I heared nothing at all. However today I have received the following email;
Dear Natty,
Please find attached to this email your Pounds to Pocket Annual Statement.
Please note that this Annual Statement is for information only and is not a demand for payment.
Please review it and contact us at the number provided should you have any questions.
Sincerely,
Statement issue date: 05/01/2016
Statement period from 31/12/2014 to 31/12/2015Customer id: XXXX
Loan id: XXXX
Date of Issue: 04/12/2014
Original duration of agreement: 361 daysOriginal loan amount: £1145.31
Annual rate of interest: 140.0%
ANNUAL STATEMENT
THIS STATEMENT IS FOR INFORMATION ONLY AND IS NOT A DEMAND FORPAYMENT
This statement reflects the date(s) in which an interest charge is applied to your account rather than the date in which the interestcharge is due.
*An adjustment may be made to your account for one of several reasons, including: 1) You made an early payment whichreduced the amount of interest that was initially applied to your account, 2) Your loan was accelerated which reduced the amountof interest previously applied to your account, 3) A refund was issued; or 4) A credit was applied to your account.
Settling your credit agreement early:
You can settle this agreement at any time by giving us notice in writing and paying off the amount you owe. If you wish to settleearly you should contact us for a final settlement figure.
Dispute resolution:
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the wayin which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you donot take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how tocontact the Ombudsman.
Paying less than the agreed sum:
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debtunder the agreement. If you have difficulties making payments under your credit agreement please contact us if you have notalready done so to discuss terms for the rest of the agreement.You may also want to seek advice on what to do from anindependent free advice agency such as the Citizens Advice Bureau.
Pounds to Pocket is the trading name of CashEuroNetUK, LLC. Head Office: 23 Austin Friars, London, EC2N 2QP.Correspondence Address: 483 Green Lanes, London, N13 4BS. Authorised and regulated by the Financial Conduct Authority.Firm registration number 603395. Authorisation can be checked on the Financial Service Register at www.fca.org.uk.
Happy New Year to you, let's hope it s kind to all of us.
I thought I would start a new thread for P2P, which was incorporated in my LS thread.
If you remember I sent a letter of compliant in April 2015 and received a response back saying I would have a response within 8 weeks. Well the 8 weeks passed and I heared nothing at all. However today I have received the following email;
Dear Natty,
Please find attached to this email your Pounds to Pocket Annual Statement.
Please note that this Annual Statement is for information only and is not a demand for payment.
Please review it and contact us at the number provided should you have any questions.
Sincerely,
Statement issue date: 05/01/2016
Statement period from 31/12/2014 to 31/12/2015Customer id: XXXX
Loan id: XXXX
Date of Issue: 04/12/2014
Original duration of agreement: 361 daysOriginal loan amount: £1145.31
Annual rate of interest: 140.0%
ANNUAL STATEMENT
THIS STATEMENT IS FOR INFORMATION ONLY AND IS NOT A DEMAND FORPAYMENT
| Date |
Description |
Amountadded |
Amountsubtracted |
| 31-12-201431-12-201431-12-201430-01-201531-01-201527-02-201528-02-201531-03-201501-04-201506-04-2015 |
Opening balanceInterest chargesPayments receivedInterest chargesLate fees assessedInterest chargesLate fees assessedInterest chargesLate fees assessedAdjustments* |
£258.61£124.83 £110.69£12.00£118.11£12.00£103.72£12.00 |
£179.04 £82.98 |
| Balance Carried forward as of31-12-2015 |
£489.94 |
This statement reflects the date(s) in which an interest charge is applied to your account rather than the date in which the interestcharge is due.
*An adjustment may be made to your account for one of several reasons, including: 1) You made an early payment whichreduced the amount of interest that was initially applied to your account, 2) Your loan was accelerated which reduced the amountof interest previously applied to your account, 3) A refund was issued; or 4) A credit was applied to your account.
Settling your credit agreement early:
You can settle this agreement at any time by giving us notice in writing and paying off the amount you owe. If you wish to settleearly you should contact us for a final settlement figure.
Dispute resolution:
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the wayin which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you donot take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how tocontact the Ombudsman.
Paying less than the agreed sum:
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debtunder the agreement. If you have difficulties making payments under your credit agreement please contact us if you have notalready done so to discuss terms for the rest of the agreement.You may also want to seek advice on what to do from anindependent free advice agency such as the Citizens Advice Bureau.
Pounds to Pocket is the trading name of CashEuroNetUK, LLC. Head Office: 23 Austin Friars, London, EC2N 2QP.Correspondence Address: 483 Green Lanes, London, N13 4BS. Authorised and regulated by the Financial Conduct Authority.Firm registration number 603395. Authorisation can be checked on the Financial Service Register at www.fca.org.uk.
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