Thanks dx I have read it but it dosnt make sense because I've gone through the sar and it looks like after each loan was settled the ppi didn't roll over to the next loan and no rebate was received. I will try and scan the cca and soc and there offer letter tomorrow,something dosnt seem right with it

Ok I will try and explain in a different way Cost of ppi £2,207,08 paid as single premium so total amount borrowed £7,207,08 7 payments made before being settled, total refund offered with interest £694.81 Now this dosnt sound right to me because there only refunding the payments that contributed to ppi part of the loan and not the 2,207,08 which was the cost of the policy

Link 1?

It was single premium ppi taken out in 2004, loan 1 was settled with loan 2 and that was settled with loan 3 i have put them in the spreadsheet with the date

I did it on the spreadsheet The cost of the ppi plus 8% Loan 1: £200 Loan 2: £2200 Loan 3: £6450

Hi all Black horse have now responded and they've upheld my friends claim, however they seem to have calculated there refund on a alternative redress. Are they allowed to do this? There is a 10k difference to what they should have refunded them. Thanks in advance

Have you rang and asked them? My other half was in the same situation because she doesn't check her emails, she rang them and explained and even though she didn't respond in there time frame they put the money in her bank within 3days.

Hi all When I work out the PPI on the spreadsheet do I calculate the interest up until the date the account was closed or to the present day? Thanks

Any thoughts on this please

Hi all I have recently submitted a ppi claim for some close friends, I have done this the same way as I have allways done with a covering letter and a fos questionaire. This is for two loans, the first for £1k the second for £8k to consolidate the first. Blackhorse have responded to the complaint asking them to fill in there own questionaire for each loan and seem to be treating them as individuals even though it is in joint names. Now are they obliged to fill in blackhorses questionaire even though I have Sent the fos questionaire. Also I have now discovered through bank statements that the £8k loan was consolidated with another loan from Blackhorse 12months later yet there is no mention of this in there SAR. Any thoughts on how to respond to this. Thanks.

Any thoughts anyone

Thanks for your reply dx The card was taken out in 2003 so they could argue it was an non advised sale even though the box was not ticked. As for the AD cover are right in saying it's not consistent, if I took out home insurance and said I've changed my mind two years later they wouldn't refund the premiums so why have barclaycard done this. Something not quite right there I think.

hi all, i am trying to help a friend to claim his PPI on his barclaycard but i'm unsure as to which way to fight it best. I will try to keep it short and sweet and explain what i know about his situation. My friend applied for the card in 2003 and the box for PPI is not ticked, however he did tick the box asking for card protection for one year for £16. I have done a SAR but the statements are missing from 2003 to 2004 but PPI is showing through the lifetime of the account. In the data log there is no PPI or insurance products flag and is showing no insurance or PPI present on the account. In 2005 accidental death cover shows on the statements being charged at £5.95 a month, this is somthing he has never asked for along with the PPI., then in october 2008 these payments suddenly stop and in november they refund all the payments back into the account?. In their data log it say's customer changed his mind. In the same month the PPI is now showing on the statements as optional payment protection. I dont know how best to try and reclaim this because if i say that the box was not ticked they will more than likely say that it was agreed to over the phone and it was a non advised sale etc. Any help would be great thanks.

Just spoke to wonga and they have confirmed only people who still owe money and are in arrears will be included in the writing off of there debts. Anyone who is in arrears and there debt has been sold are not included. Surely this must be wrong, the loan my other half defaulted on the repayment was more than her monthly income so surely that should never have never granted?

I've heard nothing either and I've got a funny feeling we won't

She didn't challenge it because she takes whatever people say to her as gospel and shes not a full shilling if you know what i mean. Im just trying to help her because i feel they haven't addressed the main reason of why she felt it was miss sold. Nice idea though about sending in another claim, think i might try it and see what comes of it. Cheers

Yes she did get a final response letter. They say the loan and ppi was taken out over the phone but it was taken out in her local britannia branch. They rejected the claim saying the ppi was suitable for her and there is no evidence of miss selling. However the sales adviser told her she stood a better chance of being accepted if she took out ppi

Hi all Im try to help a freind with a ppi claim which got turned down just over 12 months ago. She has given me all the paper work and it seems like they have just fobbed her off.(we cant find any evidence etc) Is there any way of getting bank of scotland to look into this again and is there any templates for this kind of complaint because im not sure how to word the letter. Thanks

Hi all Cap1 have now sent an offer to settle my claim after fos involvement However they are only refunding ppi payments plus interest. Now I always thought that they should redress the account and put me back in a position without the ppi being added. IE: without these ppi payments the balance would have always been under my credit limit therefore no over limit fees and should have been refunded aswell. Thanks

Good advice silverfox I will get letter off on Monday if I can find a address for them.

Hi all My other half took out a loan with toothfairy for £400 which escalated to £2500. Now over the last month or so black water & DMR have been sending txts trying get her to make contact. Now they have sent a txt saying pay £80 & they will close the account and if she doesn't face possible legal action or they will sell the debt on. Now I think they are just dangling a carrot hoping she will bite and make contact. Any thoughts on this one or could they be being genuine. Thanks

Seems like mhb have taken over the debts my other half is still getting emails saying they have the legal right to collect and they keep adding interest an threaten to turn up on the doorstep unannounced

They've not been busted as far as I'm concerned,my other half had a loan with these idiots and had to make a complaint to the fos. They went very quiet for about 6 months and now the phone calls and txts are coming at least once a day again from mhb

Equifax removed it as soon as I made the complaint then bt had to remove it for good because they apparently arn't following the ico procedure when placing the defaults. IE. they sent a default notice giving 28 days to pay. I pay the balance the same day i receive the letter but they default me anyway.

I found the easiest way was to let equifax take up the complaint for me. I tried speaking to bt but that was a waste of time. If you get equifax to make the complaint bt only have I think 28 days to resolve it.