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Keebs

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About Keebs

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  1. Sorry I don't have it any more. I gave up trying to be honest and just had to accept what the bank sent me as I had no way of knowing if it was correct or not. Sorry I can't be more help.
  2. Firstly, many many thanks for looking at this for me, it is very much appreciated. The PDF I posted above is all the information they sent me when I requested the calculation method. They are saying that they have reconstructed the account, to put me back into the position I would have been in had I not paid any PPI. You have all the info that I do I'm afraid!
  3. Thanks but if I can't understand the breakdown they sent me (almost certainly a deliberately convoluted and heavily disguised calculation) then I don't know how I can argue with them. If no-one here can understand it then I have no chance!
  4. I guess I'll just have to accept what they've sent me as I don't really have the knowledge to check whether they've calculated correctly or not. Thanks anyone who tried.
  5. Thanks for all the help so far. I've been sent a copy of the reconstruction and I can see where the reconstructed balance starts to wildly differ from the spreadsheet here. (around August '08) There is also some weird random assumed pre-existing balance and PPI payment on the card from before the card was even issued!!! No idea what that is all about. This is the first line May '99 Is anyone clever able to take a look at this for me and see what they've done? What is the "ratio" column? I've (hopefully) attached it here with all personal details removed. Thanks loads for any insight.
  6. I've now received a cheque for the (lesser) 16K amount. In my letter asking for clarification on how this redress was calculated I stated that any payment made in the interim I would consider a partial payment until such time as I formally accept their offer. My question - should I bank this cheque or not? If I bank it does it mean that I have accepted their offer or can this actually be regarded as a partial payment during dispute? Thanks for any help.
  7. Ok I've written to them asking for clarification. Can I just ask anyone who has used this spreadsheet for a calculation, how close was it's result to the final offer from the bank concerned?
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