Hi Storm. Sorry Iv'e only just seen your post.As I said in my previous post 28/05/07 in my loan agreement the cash loan and the PPI are listed as two separate loans each with its own premium which have then been added together to make up a monthly premium of £313.01. following my complaint over mis-...

Good morning Mel. Its late and I can't quite get my head round the arithmatic on this one. The cash loan was £15,319.and the repayments £257.78 over 84 months.The PPI loan was £3.282.at £55.23pcm. Total loan £18.602.Repayments £313pcm.the PPI is cancelled,wiping £3.282 off the total.My £18.600 loan ...

I complained to lloyds tsb about mis sold PPI.They sold me a loan in 2004 along with a PPI policy.I waqs 66yrs.old at the time.Then recentley all the media coverage about misselling set me to thinking and looking into it.I realised,because I am turned 65 I am inellegeble for most of the cover,in fac...

I believe if I go BR then I stop all payments to my creditors immediatley.What happens if I choose the IVA road.
Ray

I am going to file for BR as soon as poss.when do I stop paying my creditors,now or when I am told to

I live with my son,If I go BR will it affect his credit rating

Hello again Mel, In my first post,that started the big debate!I asked about my caravan.Well I think I have solved it,my daughter has offered to take over the van and the outstanding repayments but how will this sit with the OR In effect I have wiped £165pcm. off my outgoings and over £8000 off my de...

Hi Mel,
We sold the house on 5yrs.ago before I even had the loans that are my main problem now.I only cleared £11,000 on the sale and as I said most of that went to clearing debt.
Allen(Ray)

Meanwhile,back at the ranch!!! Well I certainly opened up a can of worms there didn I.Anyway while this debate has been taking place I have solved my caravan problem,My daughter has taken over the van and the debt.But I do hate to be a party pooper so here is a fresh query.Today I was contacted by s...

I have a static caravan that my wife and I use for weekend breaks.I am purchased it with a personal loan that still has 2yrs.to run.will I lose the van in an IVA