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gettingsorted

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gettingsorted last won the day on July 21 2010

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  1. Good morning - am absolutely steaming ! but firstly only reclaimed the over limit fees and now to why I am steaming ........... Please see attached - copy of initial complaint & calculations; copies of final decision; copy of calculations; copy of letter sent in reply to FOS email reply from adjudicator; my reply to him (by letter). This will probably identify me to the FOS but by now I don't really care as I am very unhappy about the reply received. I feel that I am getting fobbed off....... I approached an accountant as I just couldn't make sense of the figures received (I also work as an accountant but am not qualified) but he couldn't make any of the figures add up so he suggested I write again for a more detailed analysis..........well you see the reply I got. I would now appreciate your thoughts on this - feel as if I am just going around in circles Thanks GS
  2. angry cat - at work so cannot comment fully but just a note to say that I have just checked my statements and the successful illness claim was actually paid into the account direct as a DDR - the amount totally agrees ...........how does that affect your opinion ? GS
  3. Have today written for further information - including how they have come to the overlimit charge conclusion Can't make any sense of the spreadsheet and calculations Will keep you posted GS
  4. Got my final decision in June and they demanded a reply within two weeks; I told them that it had taken several years to get to here so they could wait longer......have finally started looking at it now and have some distinct inconsistencies. They are now pushing hard for my reply so must get it over to them. Have thrown out all but one for the charges claims ? as only one fee was due to PPI ? There is no explanation as to this - I was quite clearly well below my limit if I did not have PPI. Just going to read those decisions mentioned earlier. They have now added the successful claim for an illness to the premium rather than deducted from the final offer which I think reduces the associated interest. The simple interest is reduced which I think it has something to do with the fact that there is less in the Surplus Redress column. They have not even mentioned my query as to why there is a difference in their calculation for my OH between 2011 and when they sent us a spreadsheet. To my previous helpers - if I scan the paperwork tomorrow is there any chance that you can review it and get back to me with your observations..... I have had a forensic accountant look over the spreadsheets and they are still looking over them - their initial observations are that it just doesn't make sense. Thank you very much GS EDITED - BY THE WAY MY HUSBAND RECENTLY RECIEVED A CHEQUE IN RESPECT OF A RECALCULATION FOR AN OVER LIMIT FEE - JUST ONE .....HE GOT OVER A 1000. pounds. I will scan that for you to.
  5. Lol ! didnt get notified of this one - obviously doesn't like me ! On another note has anyone seen the MBNA advert on tv where they admit to be "number nerds" and are very good at all that number stuff - all to their own advantage of course1 https://www.youtube.com/user/mbna It struck me as a bit arrogant and patronising ! GS
  6. Hi slick132 Sorry didn't realise you had posted Yes - it asks me if I want to unsubscribe......I didn't get a notification about our post but did get a notification of Miaspa's last post. Strange Thank you GS
  7. I am about ready for a group letter . Getting fed up now. Spoke to my adjudicator some weeks ago and he said that he wouldn't be long getting back to me as he had all the info required . I'm still waiting ! GS Ps could one of the mods have a look to see why I do not get notifications on this thread. Thanks
  8. Mine' is nearly five years from original SAR ! And we'll over 2 years sine the frist offer GS
  9. SAR Autumn 2010 Original Complaint Summer 2011 To FOS Autumn 2011 Upheld and chq received early 2013 Summer 2013 second complaint Summer 2015 - FOS are working through the complaint. GS
  10. I know but at least this time he was able to give me an update and he was fully conversant with my complaint and the paperwork I had sent . he did tell me more but I don't want to expand on it at the moment . To be honest I was satisfied with what he was telling me. GS
  11. Just phoned FOS - thanks angry cat for reminding me. My case has moved forward since February which I didn't realise so FOS do seem to be working in the background. Its nowhere near the end though.............. GS
  12. Yes - why no fine Santander have come back to me because they have been "requested" by the FOS and FCA to re-assess all claims which were refused prior to a date in 2010 ! GS
  13. Hello - all Do you know that this thread is the top hit on google if you search for PPI running calculator. Could someone please point me to the calculator on this site to do a full calculation on running car PPI. The Debenhams claim has arisen again with Santander writing to me saying they want to re-assess my claim; I know a lot more now ! Thanks all
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