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Everything posted by Wulfen40

  1. Thank you rouge, I will read these links about the add on insurances and how the FCA are investigating them and I will incorporate this into a strongly worded letter letter back to DAF. W40
  2. Hi rouge, Thank you for getting back to me. What do you mean by the reading and understanding the significance of this link and its included links first? I did actually refer to them again yesterday to refresh my memory. Were you referring to the complete hassle of going through the court process? Of course, I will write back to DAF using the points I made above. I will mention to them that if they continue to refute my claim, I would inform the FCA about these added insurance products. Thank you W40
  3. noted !!! Do I start the court process now then dx? How do I do that? Is that the N1 claim form? Should I reply back to DAF in response to their letter, despite them saying that is their final response? Do I need to send them a LBA first? W40
  4. All I remember was that I pretty much paid over £300 to sort the head gasket out myself, that doesn't include the towing costs by the RAC when I broke down twice, labour costs etc. The third time I just could not afford it, so it sat outside my house for six months then I arranged to get it scrapped. I was still paying for the car for another 3 or 4 months or more until my brother in law helped me out with the cash and paying back early
  5. Hello dx, Sorted the document out! Sorry about that... yes, they made me pay for all of the head gaskets, twice. They tell me to write to their underwriters in relation to this part of my complaint. Only problem dx, I no longer have any records of this old car, the repairs, costs, nothing... I will have no chance in court, it will be purely my word against theirs. That's why I haven't really concentrated on this part.. purely the miss selling of the insurances! I would love to pm ukdarren, but didn't they not close their thread down as it was reckoned they signed a conf
  6. Hello All and DX, Really sorry for the long delay as I did do as you asked and sent off to DAF my covering letter, FOS CQ and the spread sheet. I sent these on the 17th September 2014 and I got a letter back from them on the 25th September 2014 saying they were looking into my complaint. Then on the 31st October 2014, I received a reply from DAF which I have edited and attached below. It is pretty much a mirror image of what ukdarren got when they got their refusal. What is next? Do I go to FOS? Note being that DAF did mention that thi
  7. Hi all, So... how do you access that link at the top of the page then?
  8. Thanks dx, Ive just had it explained to me by the mrs who not long walked in, apparently I did take a cash withdrawal from my credit card and that would explain I was paying cash interest for the term of the loan. Stupid me! Interestingly, I was not informed that MBNA had hiked my interest rate from 10.9% to 19.9% on my last year I was paying this debt off. Can I reclaim this back? I had not received any notification that there was a interest hike at any time, not until I saw it in my documentation that I received back from MBNA Cheers!
  9. Hello all, Out of interest dx100uk, you say you cannot reclaim these cash advance/ cash interest fees nor the retail interest fees. As I have the same on my MBNA credit card, but every month I was being charged both a cash advance/ cash interest fee AS well as a retail interest fee on the same day for each and every month. Even after I stopped using the card to purchase items, I was still being charged for both types of interest, once a month for the next 4 years? Surely this is not right? I have gone through both my terms and conditions and CCA (That I finally got from MBNA) a
  10. Good Morning Scott, In that case I shall do that then. I will complete the FOS questionnaire and send that in with the complaint for mis-sold PPI Many thanks for the info mate - I will put in a update on here as it goes along! Cheers guys! W40
  11. Hi Guys, Sorry for the delay been working late recently! Scott - I would definitely look at sending in the FOS Complaint as well as the claim - but how can I claim when I cannot remember when my credit card started? Brigadier2js - My account was closed on the 28th April 2004, that is well over 6 years ago. What I cannot understand why they would delete these records after 6 years but one month ago they sent me all of my current account statements going back to when I opened the account in 1989??? Is it one rule for one and one for another? SabreSheep - Lol! Sadl
  12. Scott, I nearly forgot to mention - I currently have a complaint running with FOS over this situation about RBS not sending out statements pre Oct 2001. I have since complained to RBS Credit Card Services about this and they basically replied that my account was closed and its over 6 years old and they do not have any record of it pre Oct 2001. So I have every intention of getting back to the FOS (As they told me to wait out until RBS came back with a resolution to my complaint) and get them to investigate this fully on my behalf.
  13. Hello Scott, Many thanks to your reply, I am really pleased that someone got back to me on this one! Lol! I also read your thread with great interest and congratulations to you on getting your money back with interest! I would do the same as you, but the only problem I have is that I don't have a copy of the agreement for my credit card, therefore I do not know exactly when my account started, all I know is that I started the account from roughly 1993 to 1996. How do I found this out? RBS did give me an address to contact the PPI reclaim team. I suppose I need t
  14. I am not impressed that no body has bothered to comment on this page, or that they had no advice to offer, where everything else I have discussed has had a lot of comeback and helpful advice to give. Is it been the site staffs month off or something? Incidentally, when I asked RBoS to send all of my bank statements to me, I got them all two weeks ago and they started in 1989 when I opened my account! How funny is that!!
  15. I am a bit disappointed no one had any suggestions on how I could access the whole of my credit card account with RBoS As it was, I contacted FOS today and started a complaint with them against RBoS Credit Card Services with regards to them not giving me my full credit account history, especially seeing they can furnish me with my RBoS bank account history going back to 1992 ! I do have some questions in relation to my RBoS Credit Card account. I found out I was paying PPI. But when I got my reply from RBoS credit card services, they told me the following... 1.They were unabl
  16. Well it has been 4 weeks plus since I sent the partial failed SAR to MBNA, what do I do now? start court action for failing to adhere to my SAR? W40
  17. Anyone who can help me on this? Or do I have to take their word that they deleted my records (yet they have my current account details going back to 1992!!) W40
  18. Hello All, Need some advice, I recently SAR'd HSBC, I had a business account in 2002 which was closed in 2003/4 I think and I also had a current account at the same time which ran until 2006. HSBC have sent me my current account transactions but they are only for the period of July 2005 to July 2006. According to the sheets they sent me, the sheets are numbered, the first one is marked at sheet 60 and the last one numbered sheet 84. They haven't sent me the sheets previously. The letter that was sent said and I quote.. "As discussed on the phone, the earliest stat
  19. Brilliant, I will do that dx, thank you so much for your help mate, I really appreciate it, I will keep updating on here as it goes along! W40
  20. Ah right! Of course, would make sense you can only reclaim the PPI back rather than anything else. Okay not a problem. Thank you for looking at the spreadsheet! Do I not complain to DAF first? (Give them 40 days to reply?) or just go straight to fos? If so I will complete the questionnaire tomorrow morning and send it off to the ombudsman the same day with all of the relevant documents. Although I notice they are saying depending on how much info I give them, this may take months... or longer due to the large amount of PPI complaints they are already dealing with! Thank
  21. Hope I got this right.... Cost of the PPI (£2950.56) / Cost of the loan (£10001.28) * 100 = 29.50% Therefore I would calculate 29.50% of the final settlement figure as the PPI element? That would be... Final Settlement figure of £2013.43 and 29.5% of that would be... £521.36 ? Is that right? What about the profit they made on the settlement figure dx? I just ignore that then? Don't think that would be fair on me! Cheers mate! W
  22. Seriously I cant add the £325? Even if they used it towards my PPI ? I looked in your link 1 for this PPIPCM% Calculation but all I could find there was the staint.xls and a loan analysis calculation. I have attached my loan transaction list (with my details deleted) you will see that when I paid my final settlement, they gave me a rebate on the finance charges as well as a rebate on my insurance charges, then it shows that they made a "profit" of £228.41 on the settlement. I am assuming that they made a mistake with the final figure, got a larger sum from me and didn't bother
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