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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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Everything posted by stetford1

  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
  16. stetford1
    I was offered my PPI refund of £371 in August 2011. However, after a million phone calls, involving the FOS - who told me they too are in a queue waiting for a response from Lloyds - a letter from me complaining about the dissatisifaction at the way they have handled the pay out, I am still left with no refund 10 months later. This is not a large amount is it????? I even got a really nice woman from my local Loyds TSB branch to try and help me - she too hit a brick wall. They lied to her and said they sent me a cheque out last October. I asked how they could even begin to say this when it is clear from the amount of contact I have had with them that this is not the case. Thoroughly frustrated and now angry - any thoughts on what I can do??? Grateful thanks in advance:-D
  17. stetford1
    Can somebody please reply to my last couple of threads as not sure what I can do to try and avoid not being paid or rectify the situation!!!!!!!
  18. stetford1
    BUMP HELP After not receiving payment in 3 weeks, I rang SC&M again today to be told that they may have closed my file and forgot to pay me and that they will pass it to a something or other department and they will ring me within 2 days to tell me where things are up to. Getting worried as read a thread on this site where somebody had been made a full and final settlement but not signed t's and c's and had the offer withdrawn. I too sent my own letter and dd not sign SC&M's t's and c's...........HELP Also if they keep stalling me what can I use as a means to make th4em pay up. I have written to the Court for a deferment to enable payment to take place. What next?
  19. stetford1
    BUMP Is any kind person able to reply to my message of yesterday's date PLEASSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSE:-D
  20. stetford1
    BUMP Still not been paid out:mad: - I know SC&M signed for my acceptance letter on 25 July Rec Del. Rang them last week and they said wait 2 weeks to be paid out. Rang today as 2 weeks passed. Told me that I had to wait 2-3 weeks due to backlog. Told me to ring back next week if not paid then said it could take 3-4 weeks. If I rang back nex week they would tell me where things were up to. I said why can you tell me next week and not this week when I will be paid - got some feeble fob off answer......................... QUESTION: What can I say next week to hurry them up - I have asked deferment off the Court to allow them time to pay up.............HELP...............just want to be paid before jollies on 7th Sept.............ANY STRONG WORDS OF WISDOM OUT THERE?????????????????????
  21. stetford1
    T'RIFFIC
  22. stetford1
    FANTASTIC...............ENJOOOOOOOOOOOY
  23. stetford1
    I too received offedr of F & F S sent acceptance letter back Recorded Delivery 23 July - they signed for it 25th July. I rang SC&M yesterday and was told it would take 2 - 3 weeks to go into my account. Are they allowed to withhold after a certain period or not? My acceptance had to be in for latest 31st July - does this mean I should count the 2 - 3 weeks from then or from receiving my acceptance on 25th July? :o Thanks:grin:
  24. stetford1
    I too received full and final settlement letter from SC&M sent reply back last Monday. Telephoned SC&M to get an idea of how long it would taqke for the money to be paid into my account and was advised that it takes 2-3 weeks. My AQ is due in Court 5th August so I have spoken to Court today and was advised to write a letter to the Court advising of offer of full and final a settlement and asking for the Court to defer my case to a future date to enable payment to take place. I also stated that I would advise the Court if payment was made. Hope this throws a bit of light on things for you? Good Luck - nearly there:-D
  25. stetford1
    Thanks for reply - last wobble I promise........ I did not SC&M's letter of acceptance back accepting full and final I sent the one Michael suggested in earlier post.........will still get 'me money'

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