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Everything posted by Kholoshian

  1. Exactly, 'leaving' suggests choice. I had no choice.
  2. It's the actual company...no DC involved as yet.
  3. OK DX will give that a go Its a bit messy...there was alot to cover. Anyway, thats all I have. 1620939027446.pdf
  4. Hi Manxman, Thanks for your reply. I'll be honest I'm not sure if it's voidable or unenforceable or what term is appropriate. In my case, my employee loan was enforceable whilst i remained in the employ of the company and it was serviced by way of salary deduction - quite standard. However, as the enforced redundancy removed my ability to service the loan by way of the agreed method (salary deductions) and there were no terms in the agreement to say what would happen should the company make me redundant - I take that to mean it would no longer be enforceable. I'm not saying i'm right - but it seems inequitable that they can now say 'pay the balance' after putting me in a situation where i couldn't pay. I'll dig out the pdf copy of the letter that was sent to me. If I can't edit the pdf and blank out the identifying stuff, I'll just post the body of the text. Many thanks for your time in looking at this.
  5. Hi DX, Many thanks for looking this one out for me. I've read through it and I'm in a different situation by my way of thinking. I'm aware of companies recouping such things as training losses when a employee 'chooses' to leave before a stipulated period and I can understand this. But my situation was pressed upon me by way of enforced redundancy. Would it perhaps help if I posted the only 'agreement' I am in possession of..ie a letter. There were no clauses in my employment contract to explain what would be expected should redundancy be applied. In point of fact I didn't even have an employment contract until 3 years into the role (don't ask!). from a contractual aspect the employer really has nothing in the way of terms to rely on. I guess I'm going to just have to wait and see but I generally like to act first and not leave things to chance. Hence the fact finding on this excellent resource forum. Any other advice from you as a seasoned campaigner on my next best move? It would be much appreciated.
  6. Hi all, I had an employee loan from my employer that was set to run for 3 years. I was made redundant in Sept 2020 and after the consultancy period, the company said that whatever redundancy pay i would receive would have to be used to repay the balance of a loan the company had provided. I had paid more than half of the loan (via monthly salary deduction). I refused saying my redundancy and the loan were separate matters. The company conceded and paid my redundancy. They have now written to me to say I have to repay the balance in full. I have no contract (only a letter) with regards to the loan and my understanding is that as they (by making me redundant) had removed my ability to service the loan and therefore voided the agreement. I had no choice in the matter. Can anyone shed any light on the legal standing as I can't find anything specific. Many thanks M
  7. Hi, Can anyone enlighten me as to the correct way to calculate PPI redress for a credit card? I complained after the calculation they sent was wrong - so i complained, only to be told there'll be no revised offer. I've now had a letter from RBS stating that they only pay stat int (8% & 15% pre April 1993) on accounts where the balance is positive after PPI payments are refunded. So, simply put (and this is just an example), 12 months of £10 PPI payments, refunded (-£120) against a balance of say £240 would leave the account with an outstanding balance of £120. RBS say that the account has to go into credit before statutory interest is paid. I thought, and i may be completely wrong, that the statutory interest awarded was as recompense for being 'deprived' of those funds over time, irrespective of what the balance of the account might be at the time. Someone set me straight please as i'm not sure I have the fight in me to go back to RBS AGAIN and argue if I don't have the absolute truth of it. The 4 page letter they've sent to explain is enough to finish me off after waiting the best part of 5 months for a decision. Many thanks
  8. Hi Dx, I know you are v busy but could you give advice on how proceed (or not). Thanks
  9. An OD? Do you mean an overdraft? It wasn't an overdraft it was a credit card. The percentage is an average of the APR over the months where charges were levied.
  10. Had a call Saturday morning from an 'Adviser' at Lloyds asking my wife to call regarding her complaint. My wife called them simple to say that she wont be discussing anything over the phone and instructing Lloyds that she required everything in writing. The 'adviser', who my wife described as slick as an oil spillage, said of course he would write and that he was sure that when she received the letter, should she have any queries about its content he would be happy to speak to her on the phone. That clearly sounds like they expect the letter to be the end of the matter.
  11. Hi DX - yes it is still active Does it make much difference?
  12. Morning all, Another aspect of our ongoing saga with Lloyds TSB. Having been through 29 years worth of statements whilst on the PPI trail, the following list of creditcard charges also caught my eye. I've uploaded a CISheet with the charges listed, the date of each and i've calculated the average APR across the period. Question: What are the chances of success here? I know the charges over £12 were deemed unfair but is this way too far back? Question: Should I go for the full amount or just the balance over £12 (there seems to be differing opinions), although I'd assume if a charge was unfair it would be unfair in toto? Question: If the numbers are right it takes me over £10k for the SC track limit - which i guess is going to get expensive and does not limit exposure to costs? Your sage guidance is, as always, much appreciated. Thanks all. Mike CISheet v101-LloydsCAGUpload.xls
  13. I think you're 100% on the money DX - i've gleaned an enormous amount of help and info from this forum and the brilliant people on here - yourself included. Our claim is pretty big and i've tried to make sure we've covered everything down to the fine details. Lloyds are now trying the slippery route. In writing only going forward - thanks for the advice. MY wife has rung them and told them she won't be discussing anything over the phone. She commented on the fact that the person didn't seem to like a normal customer services advisor. Specialist case handlers???
  14. Because my wife doesn't want to discuss it with them - she doesn't really 'get it'. Initially using the template letter and then filling out their questionnaire. But now they want to discuss it with her and she doesn't want to talk to them. Should we just tell them to do it all in writing?
  15. Hi all, Is there anything that says you can't act on another behalf when dealing with banks on matters of PPI/charges etc? My wife does not understand or want to discuss these matters with her bank and so wants to nominate me. The bank (Lloyds) is saying that it can't/wont deal with me. Any ideas on how we can proceed? Many thanks Mike
  16. Thanks DX, That might be worth a shot as i might just have the odd bank statement from the time. Mind you thinking about it - i probably paid by cheque - so that's gonna be really difficult to tie up. I'll have a look. Does any document guidance existing from either FOS or FCA on account reconstruction - not that Lloyds will necessarily need educating on it but it's nice to be in the know - just in case. Thanks for all your help Mike
  17. Hi DX, Sorry should have said - Lloyds TSB trustcard Thanks Mike
  18. Hi all, I have 3 years worth of statements from an old credit card from about 10 years ago. There is the odd missing statement - couple of questions? 1. Am i allowed to 'average' the ppi for the missing months? 2. The very 1st statement i have has a fairly hefty balance on it - is it expected that the bank should 'reconstruct' the account before this 'first' statement using the knowledge of account going forward? If the answer is yes to either of these - is it documented anywhere? FOS, FCA etc. Sorry - should have made clear - i am missing at least 2 years worth of statements before the 1st one i have in my possession - hence the question about reconstruction. Many many thanks in advance cheers Mike
  19. So - are now you saying 'don't' send spreadsheets, pdf scans of statements etc on a usb. Sorry m8 - i'm really making you work here - apologies, i just don't want to get it wrong as i'm very new to the process.
  20. Question: My wife NEVER applied for a Credit card only a Current account with TSB. The subsequent account came with a cheque guarantee card BUT it turned out that this was ALSO a Credit Card and my wife had no idea that the subsequent account even carried Payment Insurance - SHE DID NOT ASK OR APPLY FOR IT EVER - is that grounds for a PPI miss-sell? The reason i ask i because most of the fields on the FOS form refer to 'blah blah blah at the time you applied for the PPI' - but there was NO application. It might just have been the way they did things back in 1988. So, can i just right a long covering letter rather than fill out fields that have no bearing on the original situation and might actually lead to confusion. Wow this is complicated. Any help in the best way to proceed is very gratefully received. THanks Kholo
  21. Am i obliged to fill in their questionnaire as well?
  22. Thanks DX, Particularly about not using the phone. If they call us which i'm sure they will - do we just insist all communication must be in writing. Also, is worth scanning all the statements we have and sending that too? It might take a bit to complete but i can if you think it will save time. Thanks Kholo
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