Use an avg of the card Apr

 

8 is far too low for a yearly figure

ok, got it thanks.

I now have a figure of 20.47%, which I calculate to be the average. Do I add the extra 8% to this or not? and can I claim back the SAR fee as well?

Their int rate and the foscisheet

Dx

Their int rate and the foscisheet

 

Dx

i'm very sorry, I do not understand your reply

ok, got it thanks.

 

I now have a figure of 20.47%, which I calculate to be the average.

 

 

Do I add the extra 8% to this or not? no where ha this extra 8% come from?

 

 

and can I claim back the SAR fee as well?

UPDATE:

got a letter from them today acknowledging my complaint, so finally getting somewhere,

they go on to say that they need me to confirm my identity to them through certificated documents.

Getting really annoyed now as I have already done that last year when I sent in a SAR,

to which they replied in full with ALL my info so my evidence was obviously good enough on that occasion

- I haven't moved since the SAR reply so is this a delay tactic or do I really have to send off more certified docs?

strange I agree

however I'd be inclined to read the full SAR

and make sure you follow the advised in all the posts there

dx

strange I agree

 

however I'd be inclined to read the full SAR

 

and make sure you follow the advised in all the posts there

 

dx

UPDATE:

following on from my last post,

I sent them a letter stating that they already had all the info they required,

that I had already identified myself to them

and that I could not understand the reason for their request as they had replied to my DSAR

so my evidence must have satisfied them on that count.

Sent first class recorded, online track and trace shows my reply delivered and signed for.

Got another letter from them yesterday, same as the last one.

I am now at my tethers end with these people - surely there must be something I can do to make them sit up

and take notice as they are obviously ignoring my correspondence, and the first class signed for fees are racking up

Update:

to clarify - sent them a letter,

completed FOS questionnaire and spreadsheet (in short, everything required for a claim)

jumped through all their hoops re. establishing my identity and waited.

Got reply this morning, rejection of claim with lengthy explanations as follows:

obviously i'm going to complain to FOS,

but is it worth me sending them another letter urging them to "reconsider"

- do they still get fined if asked by me to investigate my claim/make a complaint?

and is it still £500?

just wanting to establish some perspective as my claim amounts to less than what the fine would be if still applicable?

or is that now it and i'm stonewalled? by their own admission the web form had tick boxes and my application would definitely not have proceeded had I not ticked the yes box

application was a "tick box to proceed" as my account was set up in 1999,

at the time this was standard practice for egg and is well documented

 

they did not refuse to pay out on the policy,

by the time I had received a PPI claim form,

after several written requests,

I had defaulted and they had passed to a DCA for collection.

I have letters from the time confirming this, as well as confirmation of the balance sent to DCA for collection

 

Valid claims on PPI policies are not a problem,

as I am led to believe any amount paid out by the insurance will be deducted from any successful PPI reclaim award.

 

I have already sent LBA and received no response

 

my problem is how do I work out my claim?

my repayments varied from month to month as I paid usually what I could afford to (minimum payment)

and sometimes a little more until the whole balance was passed to DCA for collection.

 

 

In my naivety at the time I was "frightened" into believing everything the DCA told me and so I ended up paying them the whole outstanding balance

 

working out the successful alliance leicester claim was quite straightforward,

as the spreadsheet was filled in and I entered the monthly premium the balance was slowly reduced to zero

, in the case of my potential egg claim the balance won't be as it was a lump sum passed to DCA "all of a sudden"

- does my explanation make sense?

what did you put in your FOS CQ as the mis-sale reason?

you should have only have put the ONE reason that you quite rightly pointed to in your 2013 post???

website tick box

dx

UPDATE:

egg refused to pay out as per previous post.

Complaint made to FOS,

received reply from them this morning that they are upholding my complaint

and that egg will be writing soon with an offer of compensation

Will update again when I can

UPDATE:

received reply from egg.

They are asking me to confirm my details as my current address differs from their files.

I have already confirmed my particulars with them when the DSAR went in,

as I supplied them with certified copies of requested documentation signed by a GP.

They are now claiming that a GP is not on their list of professionals that they accept as signatories

- if this is the case then surely they should not have sent me info under the DSAR?

Have spoken to FOS, who can't help, and ICO who won't as they don't consider it a breach

had enough now,

it means I have to go and get certified copies from a solicitor who will charge and are not cheap

thoughts?

CTAX Bill?

dx

Notary public - they will usually be a lot cheaper than a solicitor - strangely enough, you will usually find one at a Solicitors office !

http://www.thenotariessociety.org.uk/

I am finding it strange that the FOS/ICO will not intervene as this is making unnecessary work / cost for you.. out of spite by the looks of things ?

I would start an official complaint via their Head/Registered office and then if no satisfaction, escalate to the FOS asking them to explain their reasons for this should they decide not to take this up - GPs have always been on the list of professionals for this type of thing.

Did they send your SAR to the new address, which they are now requiring confirmation of ?

UPDATE

confirmation of refund amount, less tax, received from canada square 30/03/16

cheque received this morning 04/04/16, and is post dated.

their continuing efforts to make me jump through hoops thus proving what a bunch of spiteful cretins they are

This has been a complete drag for a long time, and I appreciate the efforts of all those that tried to help

success recorded HERE

Well done spaspeckerthedull and many thanks for the update and recording your success in the PPI success Thread.

Regards

Andy

hey great win

dx

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