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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

stetford1

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  1. stetford1
    Sorry craigman replied to Ims21 instead of yourself as Ims21 has been of immense help to me too. Good luck and happy spending:-)
  2. stetford1
    Yes thank you. I think I have gone as far as I can at the moment. Your help, patience and guidance has been invaluable and taken some of the frustration out of a powerless situation. Please change the thread by all means to reflect this. Once again many thanks:-)
  3. stetford1
    Thanks for making it simple - nlow I get it - ha ha ha:lol:
  4. stetford1
    :-)Wow now you have blown my mind totally:???: Thanks for all your patience Ims21 - still not getting it fully but appreciate your responses all the same and will wait for the refund landing in my bank account.
  5. stetford1
    I have got it badly wrong - just realised what I was doing in the maths department!!!! Getting carried away I think!!!! Anyway, at least I have got some idea of what I am owed. The rising each day they fail to pay still confusing me but think I have drove you crazy enough for one night!!!! Thanks again Ims21for your invaluable support. If I eventually do get paid out I will let the forum know. Good luck to everybody out there in the same boat as me:wink:
  6. stetford1
    YesI am using Windows but will wait for my Son to explain your directions as ot sure what I am doing!!!! The offer was for £391 not £371 as I have been saying!!! They offered this with a simple 8% interest attached to it. I am really sorry but I am still not getting the final figure to expect. Do you mean that on top of the offer of £391 I should expect 8% per month on the rolling figure: £391 + 8% = £391 + £31.28 = £422.28 for August £422.28 + 8% = £422.28 + £33.76 = £456.04 for September etc. etc. Or have I got it badly wrong?????
  7. stetford1
    Thank you, thank you, thank you. So rising each day they delay payment - does that mean each day from date of offer letter in August 2011??? Or am I being extremely optimistic and delerious now:lol:
  8. stetford1
    After much searching no Excel!!!!! Not doing very well am I?????
  9. stetford1
    I canot open it to fill in the details!!! I paid £18.74 per month from 16.08.09 to 16.02.11.
  10. stetford1
    The loan was for £2750 - taken out on 31.08.09 - the final payment is on 16.07.12 The total of the loan with interest will be £3805.56. I have just rang Lloyds and they said that I had a separate PPI payment of £18.74 per month. This was also paid on direct debit but was separate to the loan payment direct debit. They said that as this was the case and the PPI was not attached to my loan then I would simply get back the £371 they offered in August 2011. They also said that what is stated in my offer letter that I should add 8% is not true and that they do not need to recalculate any refund from their offer in August 2011 to present date. I have to say I am totally totally confused. I cannot speak to anybody about it as the PPI Helpline are useless and different operatives tell you and promise you something different each time in terms of when to expect your money back. I have been told so many times that I will receive a fresh recalculated offer which has never happened. I have today written to Lloyds TSB Compliance Department and e-mailed the FOS for an update as they took on my complaint in April 2012 but even they cannot get a response for 3 months as they too are in the queue. Again it is not a great amount but it has become a matter of principle!!!!! What now.
  11. stetford1
    Not really a wizz with the fine tunings of it but my loan was for 3 years due to finish in July 2012. I paid £18 per month PPI but I cancelled it in March 2011, so only pay loan payments back now minus the PPI. Therefore, they offered me £371 in August 2011 which equates to what I had paid in PPI prior to cancelling it. I do not know how to calculate it and then add the 8% so am not sure what the final refund will be. All my payments have been on direct debit. I was not sure if I used the £371 offered in August and then for each month they failed to refund kept adding 8% to this. I did it this was and got a crazy figure of over £900 - surely this can't be right??
  12. stetford1
    Is there a template for Letter Before Action?? Many thanks
  13. stetford1
    PPI on a bank loan. I cancelled the PPI in March 2011 and put a claim in to get back what I had already paid. The loan is due to finish in July 2012. I owe them £50 and that is it.
  14. stetford1
    I have had the same problem with Lloyds TSB. I accepted their offe3r in August 2011 and am still waiting for a paultry £371!!!! I have phoned them a million times and got lied to or fobbed off. I have involved the FOS (April 2012) and they have written to be saying that due to the backdate they too are in a queue for some resolve and they will get back to me in the next 3 months (this time is up in July 2012). I have also written a letter of complaint to Lloyds TSB, Customer Care PPI, Tredegar Park, Newport. NP10 8SB on 06.06.12 but never even received an acknowledgement of this. In my frustration I have today written to Lloyds TSB, Compliance Department, Mountbatten House, Military Road, Chatham. ME4 4JF I also received a reply from CAG last night advising to let Lloyds TSB know I wish to take them to Court which I am seriously considering if the Compliance Department do not respond to my letter sent today. I hope this is of some help and wish you good luck in receiving back all your money!!!!!
  15. stetford1
    Many thanks ims 21 - appreciated. Does anybody have an e-mail address for: Lloyds TSB Compliance Dept. Mountbatten House Military Road Chatham ME4 4JF Tel: 01634 834 207 Also try: 01634 829 222

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