Baz1994
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Everything posted by Baz1994
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Thanks ken100464 for your helpful response. Yes I have thought about my reasoning for mis-selling and on locating the old original agreements, it transpires that the insurance was automatically added without my consent. There were no ticked boxes or any mention of PPI until they started to appear on later statements ? I have read up on previous MBNA posts regarding repayment of unfair fees and charges and I will take into account your comments. I basically wanted to get some sort of figure in my head if they ever become successful. I am awaiting various SAR replies in respect of a few missing statements that I don't have and this may cause a problem when trying to complete the relevant spreadsheet calculator, if not located. Will keep forum posted on progression. Cheers
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Thanks again and much appreciated and will keep forum posted on progression.
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OK cheers for your reply. Funny enough that was going to be my next question re unfair charges etc. Would they not form part of the redress if successful ? Also regarding the appropriate spreadsheet, will the end date be today or when the account was closed and paid ?
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Just another question, can someone clarify if a Credit Card was paid up and closed in 2005 that PPI mis-selling can still be reclaimed now ? I am a little concerned as I have also recently located a couple of old Natwest C/Cards and agreements where PPI was automatically added. Some go back to 1991 in which were paid-up and closed in 1998. I do still have most of statements. Any comments would be appreciated thanks
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Halifax Bank Xtraloan Insurance Premium
Baz1994 replied to Baz1994's topic in Halifax Bank and Bank of Scotland
Cheers again dx. So use FOS questionnaire and not the Halifax one on their site ? Would they have been regulated in 1995 ? And finally do I include copy of my agreement and spreadsheet ? Apologies for all the questions but just need some clarity before I proceed -
Halifax Bank Xtraloan Insurance Premium
Baz1994 replied to Baz1994's topic in Halifax Bank and Bank of Scotland
Sorry will try again thanks please see attached. Also should I attach Credit Agreement details to PPI complaint letter ? -
Halifax Bank Xtraloan Insurance Premium
Baz1994 replied to Baz1994's topic in Halifax Bank and Bank of Scotland
Sorry dx here you go thanks [ATTACH]52464[/ATTACH] -
Halifax Bank Xtraloan Insurance Premium
Baz1994 replied to Baz1994's topic in Halifax Bank and Bank of Scotland
A belated thanks again dx. It's a Loan so therefore 8% simple stat spreadsheet ? No APR26.9% to be applied ? First payment 24/11/1995 End Date 30/07/14 ? I have 12 x £11.34 Insurance Premium = £136.08 Plus 8% Simple Interest = £199.24 Total = £335.32 Does the above sound correct ? Also shall I attach spreadsheet to complaint or await further for their response ? Cheers -
I had a small Halifax Bank Xtraloan in the mid 90's over a period of 24 months. I still have the original agreement, where they have typed in a 'X' in the Premium Protection Insurance box and not ticked by myself. I also have confirmation of monthly payments statement from them. My questions are, can I still submit a mis-selling complaint considering how old it is and if so what calculator spreadsheet would I use ? If compound, what end date would I enter - last paid premium date or current ? Thank-you
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OK thanks for replies. Payment slip says GE Capital Bank Ltd / Lloyds TSB Bank ?
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My OH was just going through some old paperwork and came across an old closed BHS Gold Account Store Card from about 6 years ago. She has various statements but not all but there is a monthly amount for Account Premium Cover - Is this possibly PPI does anyone know ? If so, does anyone know the contactable address to send an SAR to thanks ?
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Thanks for the up-date cups and I also gave them a call today re mine - said exactly the same to me and that they would let me know as soon as possible. Cheers Baz
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Exactly where I'm coming from and I have put the question to FOS and now awaiting a further reply. told FOS that they must have been aware of the situation and find it unfair that Welcome can deny all knowledge of mis-selling without a valid explanation (stalling tac-tic I know) then passed to FOS who in turn take forever in a day to even investigate it, let alone make a decision ! My first impression is that everything's been put on hold but I will post up once response received. I just wanted to give everyone the heads up who may have any pending complaints with Welcome and if they have anyone has already received anything similar.
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I have various ongoing complaints with Welcome / FOS in which some have been resolved but others have not, in respect of a Secured loan taken out in November 2003. One of the complaints was in respect of a discrepancy in loan amounts mentioned on statements in which apparently was due to migration of IT system error and the matter has now been clarified and FOS were advised. I still had an outstanding issue regarding refund of added amounts and interest, in respect of some irregular payments that appeared on my statements I n which Welcome were unable to clarify and redress of costs / time and effort. This morning I have received the attached letter from FOS and wondered if anyone else has received the same. if any experts on this site could kindly have a look and advise if this will now affect my ongoing complaint including my other Payment Protection Insurance mis-selling issue. Apologies for state of letter but this is how I received it Thanks
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Cheers and will post up response once received
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Thanks again citizen and think I might probably do that and in the meantime contact the ICO for failure to comply fully to SAR.
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I sent a SAR to Welcome Finance and they responded within the 40 days but there was various information missing. So I contacted Welcome requesting details or an explanation as to why they cannot be provided. I received a Final Response reply yesterday in which they apologise and due to an internal error some of the information was not originally submitted but now has. Also they quote that any documents that are no longer stored have been securely disposed of - should they have provided some sort of recording confirming this ? Welcome finally state in the letter that they are sorry that I only received part of my DSAR and that details were unclear and for that reason they have upheld my complaint but if not satisfied with their response I have six months to refer complaint to FOS. Sorry for what maybe some stupid questions but what next ? If complaint has been upheld am I entitled to any compensation for time and effort etc involved ? If so do I reply requesting this or do I report Welcome to ICO and submit a complaint to FOS in respect of failure to comply with DPA ? Any comments would be appreciated.
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Just an up-date, I have today received a further response from Welcome stating that the rejected A & T Finance application and was passed to Dial 4 and quote the following extract from letter :- " We no longer have an underwriting department due to the restructure of our business and therefore any information regarding the application is difficult to obtain. I have had to rely on colleagues who worked in the business in 2003. We can assume that that the rejected A & T Finance application was passed to Dial 4 A Loan, who worked closely with us. Dial 4 A Loan submitted your details to us, using information provided by A & T Finance. We have no details or records that any commission was paid to a broker on this occasion (in which I do have as part of SAR ?) and please be aware that this represents my final response to your complaint. " I will obviously forward letter to FOS but in the meantime do I need to be trying to establish or locate details of any other relationships i.e. between Underwriter Aviva who was regulated at the time of sale and Welcome / Dial 4 A Loan ? Should I approach Underwriters asking for confirmation that a fee was paid for new business ? As mentioned above, I do have copies of Dial 4 A Loan commission and brokerage sheets with Welcome Finance. Any further help would be very much appreciated.
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Thanks again rebel and I will have a look.
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Sorry can someone kindly advise ?
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OK cheers and will I include charges and if so do I just add to PPI Amount for relevant month ? Thanks again.
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Cheers rebel and will go for it from 1998. I did but a little confused as to what is the correct spreadsheet to use. Do I use the compound interest one or the FOS Running spreadsheet ?
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Many thanks again dx. So calculate ppi plus interest using compound spreadsheet up to 2005 and then apply 8% interest to total ? i.e. Total CCPPI accrued to 23 July 2005 £984.19 Plus C/Card interest 26.70% £262.80 Total £1,246.99 Plus 8% notional interest £ 99.76 New Total £1,346.75 or would it be 8% for each year from 2005 to date ? Also why do they state 8% notional interest and not simple ? Thanks
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Sorry and should they have included any charges ?
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Just sent SAR off for some missing statements but I do have about 90% of them from 1998 to 2005 when the account was settled and closed. I cannot find anything on my agreement details with my signature agreeing to PPI as it was automatically added when I took out the card. My questions are, will I be able to reclaim from 1998 and what are the correct redress spreadsheets that I should be looking at in the meantime ? Is there one for all of statements and one for some missing statements ? Thanks for any assistance.
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