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CookieRocks
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Looking at it wrong

 

If a question does not need answering

Write n/a in the box

 

Fair enough, have done the CQ as best as I can. Got Cover letters and Spreadsheets ready. Will send it their way first thing Monday.

 

Lets see how they reply. Thanks as ever DX.

 

Kind regards

CookieRocks

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Monday is a Bank Holiday :)

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Monday is a Bank Holiday :)

That sums me down to a Tee. Make work twice as hard for myself :lol: and I wonder why I'm on ESA [sG] :sad:

 

Thankfully, emails will still go through. I did wonder though when I had an 'I'm away til Tuesday' automated reply.

 

Have a great long weekend.

 

Kind regards

CookieRocks

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Hi again.

 

So I sent just the PPI element of the complaint yesterday, got a reply from PPI 'Specialist' Team.

 

Sent them Cover Letter, Spreadsheet and evidence. Complaint Upheld, huge difference between the amounts though.

 

I've attached my Spreadsheet, as you can see it comes to a total of: £468.50. Their calculations give me a refund of: £69.82.

 

Their breakdown is as follows:

£46.84 PPI Premiums

£0.00 Charges

£17.48 Associated interest

£6.87 8% interest

-£1.37 Tax (on the 8%)

 

Any advice or thoughts with the above? I'm not sure what to reply with.

 

Thanks

 

Kind regards

CookieRocks

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ask them for a full breakdown upon how they calculate their redress

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ask them for a full breakdown upon how they calculate their redress

 

 

dx

 

Hi dx.

 

This is what they sent.

 

There's a lot of blah blah blah in their email about how they reconstruct the account without the premiums

and assume xyz payments are made and this is what they came up with. It's not negotiable, and either I accept or go to FOS.

 

I'm just not sure whether it's worth the effort with the FOS as that'll takes years, and is it worth the hassle in court?

I mean, with this I get my F&F payment back plus a few quid on top.

 

There are other claims that are worth plenty more that are worth the effort,

some in their thousands and possibly two that are in the 20K - 40K range,

assuming it is all worked out correctly.

 

What are your thoughts?

 

Kind regards.

CookieRocks

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if you are happy let it run then

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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