Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed

They...

I posted this on another site, but this site seems to have more knowledge so hopefully someone can help.

So back in Oct 2004 I took out an Egg credit card, around 2007 I got into some problems. It was passed on to DCA who I started to pay for a set amount each month, and pretty much...

Hi

had my Sars come back and show up some PPI's on loans from the late 1990's. Not large amounts, but definite miss selling went on. as soon as i nearly paid off one loan, the bank called me in to talk about my account review and i ended up leaving the meeting with another loan!! the...

Many thanks to Niddy for this forum area for discussing the wholesale mis-calculation of credit card PPI redress offers made by MBNA over the past 2 years or so. Very briefly, it has become clear that MBNA have been using a 'non-standard' method of calculating redress due to claimants of mis-sold Payment...

I thought I would now start my thread, also advised by our Bill to be well prepared in time to come.

Will get posting up wha I have shortly.

Hi everyone, there has been lots in the press about underpayment of PPI. Are companies supposed to contact you or vice versa? How far does this go back as I'm sure LLoyds underpaid me but I was just grateful to receive anything!

I'm starting this thread to basically see what sort of treatment people are experiencing when their mortgage term has ended. I am with the C & G which unfortunately is now part of Lloyds TSB. I know this is an extremely long post but it’s an insight for others to see what can happen and to hopefully...

I am starting a new thread because my previous one was really about getting NatWest to agree PPI had been mis-sold. That thread is here: http://forums.all-about-debt.co.uk/s...st-help-needed . After intervention by the FOS RBS changed their minds. I have received...

Loan-Related PPI claim settlements should be calculated according to the current FCA rules, and the methods prescribed in the FCA's PPI Redress Handbook (PS10/12) are shown in Appendix 2. This spreadsheet has been developed from these somewhat simplistic examples in order to calculate real claims -...

Ive accidently set a folder permission on my site via FTP to CHMOD 644, this has caused the bloody folder to dispear.

I cant upload a new one as it says, file/folder already exists, dont have permission.

I have Owner Rights so im stumped!!

Anyone know of a RAW...

now think it is time to try and help anyone else reading this.

If you have been fortunate enough to get an uphold on a MBNA credit Card I cannot advise people strongly enough to demand their calculations as to how they came to the redress that they did.

The spreadsheet they...

Ok its embarrassing to admit but at nearly 40yo i cant budget, tried several times, always fail. Sadly i usually fail by being hooked on spending i make a plan, get paid and then pop to the shops............................................. and come back with £300 worth of something i hadn't...

Here's the links to the main official sites by FSA & FOS in describing how redress should be calculated

The new authorative method of calculating redress is Appendix 2 page 104 onwards--see in particular page 115 for credit cards (revolving credit)

FSA Handbook 10/12-The...

PPI Calculations---The concept of 2 Loans and Basic Spreadsheets


Firstly, I would like you to be familiar with the concept of Loan Amortization and Amortization Schedules-so for now-please study the thread below - if you have not already done so.

Concept of Loan Amortization...

Hi all

Scrappy again needing some more advice regarding MBNA as their normal box of tricks.

This is going to be a long story.

Back in 2009 I did a deal with MBNA for a F&F @75% off the balance which I have in writing from them.

This was made up...