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bostonteaparty

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  1. many thanks sorry to sound thick if my letter says 11500 which includes the interest how do I even begin to guess what the interest amount is please>is there a formula to work it out?
  2. If my payout is £11500 I am a taxpayer through my job I think I pay more than basic rate I earn £38000 a year. simple interest at 8% has been included in my payout - has anyone a rough guestimate as to how much tax I would have to pay please just so if I get a bill it is not such a shock and I can keep the money to one side? Would it mean I have to do a self assessment form because I am not self employed or anythign like that I work for a company and get monthly payslips with my tax deducted. thanks for any help it's worrying me.
  3. thanks Ims21 no I haven't I have written a letter today back to the TSB telling them I want all the info on ppi and the agreements and breakdown of payments and they have not fulfilled my SAR request, I know we had protection though they would never had given us the mortgages without it. Without any proof how do I even begin to proceed on this one? especially as the mortgages were over 6 years ago! any advice? many thanks
  4. thanks for your support I have done this I hope you can access it (apologies I think it may be upside down my machine wont let me save it when I alter it round I am crossing everything that you can turn it round to read it...
  5. thanks for any help DX I hope this works I'm really sorry I cant get them to save the other way round ppi docs006.pdf hoping you can turn it round to read it?
  6. my mortgage with TSB was for £55000. They have sent SAR info but I cannot work out which bit of it is PPI but I know I took it out. How do I estimate this please can anyone help me work it out? help
  7. If a debt was sold on from barclays to Max recovery where do I stand claiming PPI from Balrclays? Previously in an IVA now completed. many thanks
  8. We successfully completed an IVA some time ago. Are now going through getting SARs to do PPI. In relation to the TSB, we had numerous loans cr cards that were refinanced etc some going back to 2001 even. Can we put in a claim for all of them even though they are outside the 6 years? How strict is the 6 years one claim is about a month outside of this at the moment and we await more SAR information expected any time. Then, do we put in a joint letter stating all the account numbers or do we submit one letter for each claim and send them separately (If we did this and claim for everything we'd be putting about 10 claims)? Do we just write a letter like the template or do we have to enclose a questionnaire as I am unable to find the questionnaire? Confused any help would be really appreciated.
  9. We eventually received out SAR from the TSB. From the papers I can only count up about £3,500 in PPI. However, as we were customers with them since the 1980's we believe we have probably paid something like a minimum of £20,000 in ppi. It states that credit card statements are not available prior to Dec 2004 due to retention periods and a card that closed in 2001 there is no available info. They have not been able to locate a copy of a signed agreement for another credit card and they are unable to provide a copy of the original loan application statements due to time elapsed since its inception as we opened the account some 17 years ago. What shall I do? We also had two mortgages with them and they have not sent any info in relation to these either, we had the mortgages approx 1993-98 and 98-2003. Shall I write back to the SAR dept and what info do I include or do I just do the claim based on the figures in the info they have sent to me and estimate the rest which i will find impossible to do really? I'd be happy to let someone see what they have actually sent me I dont think it helps me much at all really. thaks for any help.
  10. what about a debt that got sold on eg from Barclays to Maxrecovery, do i still write to Barclaycard?
  11. I got it from an old loan agreement I found that we had protection on. Also, Ims if we had eg a joint loan am I right in thinking I'll get all the info I need from just one SAR in either name? I'm having a worry attack reading about goiong to Court. Will my ppi application only go to court if I take it there (I was previously in an IVA)
  12. does anyone know if Capital Bank are the same as Capital One (I'm trying to work out if they are the same for my SARS requests or if they are different with different data controllers? many thanks
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