Sorry - senior moment, here's 2 files regarding CCA/CPR. Thanks.

File1.pdf

File2.pdf

as an experiment

put every payment of PPI individually

on its date into this spreadsheet.

StatIntSheet v101.xls

Very interesting experiment....shall I upload the spreadsheet or type the end figures in here? Thanks

well that will give you a ballpark figure

theres another one which is better

but lets see what that says first

Shows a total figure of £3,332.92......

thought so.

well this may or may not play a part anyway.

however.

take your data from the three cols [date/description/amount]

paste those into this spreadsheet:

FosCISheet v101.xls

in cell d15 enter the M+S interest rate they charged.[15.9%??]

set the claim to date to the last date they charge their interest.

that will give you a new figure.

take that figure and pop it back into a new copy of the statint sheet

as a whole sum dated the day after they stopped their int

that's you 8% calc

should be quite inflated.

Ok....well that last figure came out at £7021.39 - so yes, quite inflated indeed.

If you wish

Via the go advanced button bottom right

Then manage attachments

You can attach the two spreadsheets as .xls files

If you want them checking

Yes, please check - here's the two files. Many thanks.

StatIntSheet2.xls

FosCISheet1.xls

no quite

the foscisheet is correct

just take the total from that £7021.39

and pop that into a new copy of the statint sheet

as a whole figure on 06/10/2007

Not quite sure I'm understanding at this point.....the first calculation total on StatInSheet was £3,332.92. Then, transfering that data to FosCISheet and adding the 15.90% interest produced a figure of £2047.49.

Then, transferring again the original data on StatInSheet into a new version of this and adding the £2047.49, produced the total of £7021.39 - and this is the file I named StatInSheet2.

So....are you saying I take the original data from StatInSheet a third time and then add on the end the £7021.39 from the StatInSheet2 file?

Just reading your last post again you say "the foscisheet is correct" and then "just take the total from that £7021.39" - but if the foscisheet is correct, the total in that is the £2047.49 figure I've already added to the end of statinsheet, to produce the £7021.39 total shown in the StatInSheet2 file.

This is probably a combination of my old brain and it being the first time I've used Excel, so apologies if I'm missing something here.....

enter the PPi payments into the foscisheet

claim to date will be the last date the OC charged you interest...

that will give you a total.

you are entitled to 8% statutory interest upon that figure until they settle

hence the use of the statint sheet.

enter the PPI payments into the foscisheet

claim to date will be the last date the OC charged you interest...

that will give you a total.

That total is £2047.49 - as in the foscisheet already uploaded, that your said was correct.

you are entitled to 8% statutory interest upon that figure until they settle

hence the use of the statint sheet.

I've put that £2047.49 back into the original statinsheet as the last date that interest was charged and the total now is £7023.45 - to the current date. As per figures in uploaded StatInSheet3.

StatIntSheet3.xls

nope as I said in post 41

use this new thread for the PPI reclaim

dx

Sorry for being such a pain with this.....

I've taken that total figure of £3,689.37 in your file and added this back into the original PPI statinsheet which then gives a total of £9,982.32

- would this be correct now?

StatIntSheet4.xls

no nowhere have you been told to do that?????

FORGET THE ORGINAL STATINT sheet it was an EXPERIMENT ONLY

FOSCISHEET is the correct one to use - that's done and is ok.

ive just done the statint sheet for you

NOTHING more to do!!

the PPI reclaim process is:

1.you are entitled to have each PPI payment refunded

if the OC has added interest to that payment

you are entitled to that too until they STOP CHARGING their interest.

2.FROM the day after they stop charging their interest

you are entitled to 8% statutory interest until they settle

as you have been deprived of investing the figure

the FOS CI does No.1.

the Statint does no.2.

JOB DONE

My sincere aplogies for that major clanger....so here's another tentative attempt to see if I might have these figures correct this time. No.1 = £2047.49 and No.2 = £3689.37. Total Amount: £5,736.86....?

???

your claim is done

dunno what the above is about

£3,689.82

Okay, perhaps time to revisit this PPI situation once more and sorry again for not grasping the calculations earlier.

So, am I able to claim the PPI amount back from the originial creditor [or their insurance provider] even though they sold the debt on?

If I am and the claim was successful,

surely these funds would be withheld because of the original default or passed on to DCA?

Just not sure of my position on this - thanks.

debts sold on

goes to your pocket OM..

PPI reclaim always goto the original creditor.

so post 17

you need to fill out a copy of the FOS CQ below

and a simple covering letter

then

both spreadsheets

the FOS CQ

and your covering letter

goto M+S

Thank you....so should I submit this PPI claim now to the OC, or wait until this DCA claim is concluded?