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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

sadwriter

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  1. sadwriter
    Okies, thanks, ims, Hows this looking:- I wrote to you on 20/09/2013, requesting thatyou send me full details of the offers you have made in regard to my claim forPPI repayment. As the letter was sent recorded, I have proofthat your company received it on 24/09/2013 and therefore I should have received some kind of acknowledgement since then, but (as you are fully aware)no letter of acknowledgement has been sent and I can only assume that youintend to totally ignore my request. I am not in a position to accept or declineany offer which you have made until I have all the details required. I am now demanding that you send me a FULL and DETAILED breakdown of the offer. This is to include fulldetails of all interest charged to the account, Any Compound Interest your offer includes, Details of ‘Charges’ which you include withthe offer. Without these details, I am unable to make adecision on whether to accept or decline any offer made. If I do not receive any response in seven (7)days of you receiving this request, I will pass the matter on to the FinancialOmbudsman Service. Yours faithfully.
  2. sadwriter
    Do they have to send me details?. I sent the letter (21/09/13) requesting a full and detailed breakdown of the offers, yet i am still awaiting a reply. They have had the letter as it shows that it was signed for on 24th. Is my next move to inform FOS or, should i send another request to Marbles, explaining how annoyed i am that they have totally ignored my request?. If i need to re-request, do i inform them that if they continue to ignore my letters, i will contact FOS?. Thank You, sadwriter.
  3. sadwriter
    They did exactly the same with my claim, they sent two letters about a week apart with cheques in each. Following ims21's advice, i sent a letter back, informing them that i was not in a position to accept or decline their offers, as i have not had a full and detailed breakdown of their figures. That was about 12 days ago, still awaiting their reply. Good luck. sadwriter.
  4. sadwriter
    Ok, sent today. Thanx, sadwriter.
  5. sadwriter
    These are the figures i've come up with. Do these look about right?
  6. sadwriter
    Thanx, ims I've been trying to fathom out what i'm supposed to expect back from these people by using the Compound Interest Calculator here - http://www.egalegal.com/compoundWindow.html and then putting the new figures in here - http://www.bllaw.co.uk/services_for_businesses/insolvency_and_recovery/simple_interest_calculator.aspx but, it seems that the Compound Interest Calculator is giving different totals each when i go back to check earlier figures i've entered. Anyway, its looking like i should be expecting a couple £1000, and this is just from the first part of the claim, the one which they offer me £428.44. I'd really love someone to go through all the figures i have and confirm my expectations, i don't quite know what i'm doing Thanx for the advice on getting back to Marbles and asking them to explain their stats, was going to go that route anyway but, i phoned them couple days ago and told them that my figures don't match theirs and that i was not happy, the lady said that if i was not happy with the results then i could always try FOS. Am gonna write to them anyway and see what comes back. Thank you. sadwriter.
  7. sadwriter
    Would the compound interest have got carried over when the card was transfered from HFC to HBOS?...or would it have started again? Thanks, sadwriter.
  8. sadwriter
    For crying out loud!!! I've boobed again with the jpg sizes. Anyhow, on the first letter, dated 30th August 2013, Marbles tell me that they are going to refund me £428.44. The Breakdown is this: Total PPI Premiums...........................................................£331.28 Interest Charged to the Card................................................£65.34 All Credit Interest.................................................................£31.82 Total Compensation............................................................£428.44 Then, after February 2009, my account was transfered from HFC to HBOS. Next letter from Marbles, dated 11th September 2013, According to HBOS, i'm entitled to £1104.64. Their Breakdown is: Refund of Premiums to date................................£585.47 8% Interest...........................................................£7.32 Interest Charged on Premiums.............................£511.85 Total Compensation.............................................£1104.64 So, Total redress is £428.44 plus £1104.64 is £1533.08 So, who's figures are right, the FosRunning spreadsheet (mine) or theirs? Thanks for any answers, sadwriter.
  9. sadwriter
    This is the spreadsheet, as you will see, i've split the original spreadsheet into three as i was trying to figure out how much should be awarded from both HBOS and HFC, not sure if this is the correct way to go about this, 'Dark' and 'Fumbling' are the words which spring to mind, here. [ATTACH]46462[/ATTACH]
  10. sadwriter
    [ATTACH=CONFIG]46458[/ATTACH][ATTACH=CONFIG]46457[/ATTACH] These are the letters i had from Marbles. I will upload the FosRunning spreadsheet also. Thanx, sadwriter
  11. sadwriter
    If i have a problem with the total amount offered, who do i respond to, HBOS or BOS ? You see, even with the first amount of money (which they have doubled-up on) i'm still about £1,000 down, going by the 'FosRunningPPI v102' spreadsheet. How long do i have before i can write and let them know they are wrong? If i upload the FosRunning spreadsheet, can someone tell me if the problem is on my end? Thanks, sadwriter.
  12. sadwriter
    ATTENTION!!!...DILEMMA ALERT...DILEMMA ALERT... Well, Ive had my second response from HBOS Plc and they have told me that the second and concluding phase of investigation is complete and they are making me a payment of £1,104.64. This is as well as the previous one from Marbles. PROBLEM...the offer from Marbles, despite the letter which i sent to them, to say that i was not in a position to accept or decline any offer until the whole investigation had been complete ( thanks, ims21 for your wording on that ) has been credited to my account. So, i get a letter this morning from Bank Of Scotland with a cheque for the same amount which was credited to my account. What do i do?....bank it or, write to BOS and tell them they have made a error and i've already been credited with the amount? Only answers beginning with BANK IT, please:roll:
  13. sadwriter
    Oh, erm...yeah, thats erm...that was what i was gonna write anyway Thats fantastic, ims, thank you very much. sadwriter.
  14. sadwriter
    Would this letter be ok to send? Dear Mr Evans, Thank you for your letter dated 30th August2013. I was pleased to receive your confirmation that my complaint was upheld regarding mis sold PPI. However, it appears that you are only offering this Partial refund “on the basis that no further claims or legal action is taken over the matter”. From my calculations (checked and agreed by learned people on ‘consumeractiongroup.co.uk’) the amount being offered, falls somewhat short. It would be un-wise of me to accept any offer before the rest of my claim has been investigated. I've not mentioned the claim for charges that were added to my account as i've not even started that, yet. Is there anything that you would change or add?...wording, phrases or anything? Thanks in advance, sadwriter.
  15. sadwriter
    Ok, so i get a letter from Marbles to confirm that my ppi complaint has been upheld, it goes on to tell me that "This payment is being offered on the basis that no further claims or legal action is taken over the matter". On a seperate letter, which came in the same envelope, i have been informed that "As your credit card account was still open after February 2009, when it was transferred from HFC Bank to HBOS Plc, you may be due an additional refund of any PPI premiums paid following the transfer. This matter is currently being investigated. We will write to you to confirm whether you are entitled to any further refund as soon as possible". So, how will i know if i am satisfied with the result if i have not yet had all the refund?. Also, what if i write and request all charges that have been applied to my account...will they see this as "further claims or legal action"?. Do i accept the small offer which is only a puny amount, and then find that the rest of the refund is still not as much as i worked it out to be?. Can anyone advise? Thanks, sadwriter.

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