as for the questions that's what you put...

for the missing months you use an average quite acceptable

I understand the questions part but with the missing charges details it's a bit messy.

I can divide the total I have by 73 ( charges on sheet ) but that could be way out and how would I use the spreadsheet ?.

Would it not be better for me to write to Capital requesting the missing data.

Up to you

Fos says you can use an avg

Just use the three nearest the date

Take the 3 earliest ones you know and use that avg

Fos say thats fine in their rules

OK thanks I'll do that.

Finally managed to upload, complete and print out the spreadsheet so I just need to send in a claim. Could you tell me if we have a template letter for my purpose.

Upload what you have done

I started afresh, clicked on the link from the sticky, it went to documents, I opened it in OO and got an average charge from the first three PPI charges, then filled in the spreadsheet and reduced the finished sheet by reducing the image in page preview and copied it.

Ill pop in later

See the shelley and martin2006 threads

No this is ppi not penalty charges...

Dont forget search cag box.....

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Ppi+covering+letter&sa=Search+CAG

I used the letter ( re added ppi ) that you posted 17/12/2014 @ 13.39...re Barclays ppi claim. That seems to cover all the points.

My friend has just received a letter from Capital upholding her complaint and say she will receive a cheque within next ten days.

..another one for the good guys.

..she said that when the cheque clears she'll give me money to donate.

… On the same subject I also had a credit card with Capital around the same time but sadly don't have any account details now, would it be worth me sending a SAR but only giving my name, dob and address.

How much was it ppi or plevin commission??

As for yours yes read the sar link and all its posts..

A little over £300, it was PPI.

I've looked at the link and the template letter but it states the account number as a reference, as I said I don't have it anymore.

you don't need any numbers!!

so our spreadsheet post 18 got it right then

I just got off the phone to her,

it seems that they agreed to pay her £560,

don't know where she got £300 from.

she is going to scan the letter and email it to me,

when I get it I'll scan the relevant parts and upload it for you to look at.

I'm stunned...I only claimed £270.

Here is what she sent me.

img20180718_21305517.pdf

img20180718_21294126.pdf

yea that's the usual generic blurb same for everyone

where the actual calc sheet that shows the breakdown?

pop it ALL in ONE multipage PDF read UPLOAD

It's not broken down, it's at the bottom of page one...……..£170.13 PPI Premiums.

£40.00 Charges

£146.63 Associated interest

£254.96 8% interest

-£50.99 Tax ( on the 8% ).

£40 charges + their int rate could well equal several £100's today esp if they are many years old

Well she's really happy at the pay out, especially as she didn't expect anything at all. And the fact that my spreadsheet calculations only came in at £273...thing is as the interest was frozen because of the pay back agreement I could only take the interest up until that point.

good result then....

Yes it was. Tomorrow I'll send a SAR to Capital One re' my old credit card....I'll simply give them my name and date of birth and see what it brings forth. Who knows they might still be in a generous and helpful mood.