Sorry about the late reply chaps - work called!

Slick - this is the new breakdown they sent me,

Total statutory compensation on new calculation £394.51

Total statutory compensation on previous refund £37.79

Additional statutory compensation paid £56.72

20% income tax deducted from additional statutory compensation £71.34

then of course, interest is applied but they dont give those amounts.

CitizenB, thats a very interesting read. And yes, it looks like it most certainly applies to me. Its a pity the FOS were not involved, that would have given any letter I wrote, some weight. But Im certainly going to get back on their case so to speak. Ive just got to figure out how to word the letter in view of the actions of RBS etc.

And for the record - when the cheque clears (Thursday I think) I will be donating £50 to CAG.

Oops sorry guys, Additional statutory compensation paid should read £356.72!! Wheres my glasses?

£50 to CAG

Many many thanks merlin for your generous donation which helps us to cover our Forum costs and helps us to continue to help others.

Well done on your claim...excellent result.

Thread title amended to reflect the outcome.

Great work by all involved

Regards

Andyorch

Thread linked to the PPI Success Forum

£50 to CAG

yes, thank you for this. I sent you an email about this when we received your gift but as you have a Hotmail address, my message may have gone to your spam folder. Please do check it.

Considering the amount that you have received by way of a refund, your donation is incredibly generous. We really are very grateful.

I hope you won't mind me using this post to make a point to others who read this. We have many people who have received many thousands of pounds in PPI refunds because of our help but most of the time we don't even get thank you – let alone a donation.

We did get another donation of £50 from someone two or three years ago. Their PPI refund was over £40,000 – it might have been £60,000, I can't quite remember.

As I have said, your donation was extremely generous. Thank you.

Hi Bankfodder. Just checked my emails and yours didnt arrive, unless you are busty Svetlana from Latvia looking for a hot-blooded Englishman to have lots of boobies (sic) with? Maybe I looked in the wrong box there?

Anyway, to be honest, I didnt think £50 was such a big deal seeing as I got just over a grand back that I would otherwise have never seen had it not been for CAG.

This is one great website and Ive learned so much from people like yourself, Andyorch, dx100 and a few more.

I noticed when I sent the money that there is provision to become a regular contributor to the site so Im chucking in a tenner on the 1st of every month.

Ive been on many sites like this one over the years, learning how to beat the finance industry and play them at their own game, but none have come even a close second to CAG. The others seem to have one chip or another on their shoulders and consequently their advice frequently advocates pointless threats that make any correspondence look childish. CAG thankfully, isnt like that.

Ill let you all know when Ive set the payment up.

Thanks everyone.

Hi merlin,

Can I also echo Andyorch and Bankfodders posts thanking you for your donation, it really is very much appreciated. Like yourself I also came to CAG when I was in need of advice on how to take on the Finance industry regarding Bank charges and more recently PPI, I've been here a while now and all the advice and encouragement I've had has been spot on.

Thank you again.

Hi guys. Just looked into donating a tenner a month. It doesnt give me a date option so Ill set it up on Thursday (1st June) and hopefully it will then come out on the first of every month.

I just sent the email to you again. It should have arrived in the last couple minutes.

Your regular payment is a really generous gesture – but if you don't mind I think I would rather decline. You've already been incredibly generous and it's not for you to try and carry the weight of everybody else's "forgetfulness" on your own shoulders.

Don't let me mislead you. We pay our expenses and we are not at risk. If we were seriously in trouble then I would be putting out a special appeal to everybody and in our newsletter. It would simply be nice to be rather more comfortable about things and a few years ago we used to have a regular site team weekend, for instance where we would discuss the forum and discuss ideas and also have a meal together. We haven't had this for a long time.

There are probably lots of other things that we could do if we had more money – but of course the real problem is getting other people to be aware of the value that they get from us and the fact that in a huge number of cases, they wouldn't have got their money back or even have thought to get their money back if it hadn't been for our help.

Once again, your donation was fantastic – I'd be very grateful if you waited until you had another result before making any further gifts to us – but if you do get a result then just send us a blank cheque and I'll fill in the details!!

Hi Bankfodder, I got the second email thank you.

Well I didnt expect a regular contribution to be turned down but I guess its your decision.

I couldnt believe it when you told me how you all helped someone get a refund of between £40k to £60k of PPI and they only donated £50. That seems a bit mean.

I offered the regular contribution because of the position I am in today as opposed to some years ago when i was married to a greedy and selfish ex-wife.

It was because of the desperate situation she created that I found CAG.

After years of crushing debt she finally upped and left and walked away from it, leaving me to deal with it all.

Had it not been for CAG, I would have probably gone under in some way. Instead, slowly but surely I began to read about everyone elses problems and the solutions CAG provided which lead to my fight back against the banks and loan companies. And most of it was very successful! You all have my undying thanks for this.

But I didnt just find CAG. There are many other sites offering advice on how to deal with debt, but they seem to have their own agendas.

Some, like the infamous Martin Lewis sites, really only recommend offering reduced payments or a grovelling approach to the banks etc, they rarely suggest challenging the authenticity of an Agreement or the crushing unfairness of multiple charges intended to bury the debtor further.

Others appear to have a chip on their shoulders that taints any suggested response with an air of arrogance and/or intimidation.

None of this advice is very helpful. The advice from CAG however, is simply legal and logical.

Because of CAG, you are now talking to someone who has a completely different perspective of money.

Myself and my wife earn over £5k a month and we only have basic commitments ( mortgage, utilities etc) other than one car on finance for the Mrs. My car was paid off two years ago and I flatly refuse to renew it! Mind you, it mainly sits in the garage and covers around 2000 miles a year!

What Im trying to say Bankfodder, is that you are talking to someone who doesnt believe in much - Im very much someone who believes what he sees rather than what he hears. But I believe very much in CAG and would have liked to have contributed in some small way. A tenner a month was never going to break the bank, so to speak!

Ill leave this decision to you then, the offer will always stand. Ill be around for a long time.

Now to SAR Welcome and Citibank!

I shall be following your journey with Citibank as I think will many others... nasty bank

Hi all, this a long overdue update regarding the battle between me and Citi regarding their error of refunding my ex wholly on a joint account.

I think Im going to give up the ghost on this one because they are adamant that although they originally made the mistake, they are not going to be held responsible for putting it right, - HOWEVER------

This morning I got two letters from Canada square ( who are dealing with Citi claims). One letter contained a covering letter addressed to me telling me once again to get stuffed, we are not putting it right, now please go away and leave us alone. The other 8 pages are for a claim made by a woman in Buckinghamshire that has been upheld and a full breakdown of the refund. I will post it on to her tonight.

Now for letter No2. Again they have made it very clear that they will not put the third account right and that I should go and have a chat with my ex in the hope that she will give me the couple of grand back. Ive got even less of a chance with that one!

BUT - there is a paragraph that reads - "We would like to make you aware that a separate complaint under the reference COM/xxxxx/2018 has been set up to investigate Other General Insurance that may have been applied to your accounts. You will receive separate correspondence quoting this reference regarding this."

Now this is all very well and good, but you would think that throughout 2 years of hassle from me, someone somewhere would have already spotted this "Other General Insurance"?

Which begets the question that if the term "PPI" is simply a generic umbrella term that encompasses many insurance products, why do they now have a "Other General Insurance" category and consequently, should I start pestering them again with a host of "Other General Insurance" complaints?

Anyway, lets see what happens next.

do you mind if I make this Citi one its own thread please merlin?

Hi dx, yes do what you want. Its been that long since I posted I had forgotten it began with Barclays etc.

actually having reviewed the thread its better here still

urm..nice complaint about sending others details could be useful...