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About pinny

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  1. Hello CAG - can I please ask for your advice on the following situation. BT has come back and offered me £150 in compensation rather than the £2200 + VAT (based on 10 days of our daily rate before they offered compensation) but their offer doesn't reflect the time spent or mayhem created. My MP has offered to help and I'm trying to assess whether i) a small claims court action would produce any more money; and ii) whether BT's claim that no footprint has been left on the company's credit rating is in fact the case. I don't know how or where to check BT has created absolute ch
  2. Thanks dx! It really is a minefield and it's so good to be able to check out assumptions with experts. I will keep you posted. Onward and upward!
  3. Thanks dx - is OC old card? I've followed your instructions and attached both spreadsheets. Would yoiu mind confirming please that these look right and the payment calculated on the sheet with just one date is what I should be looking for? Really grateful for your help. Pinny
  4. Thanks dx that would have been embarrassing! So, with Ombudsman awards you can claim up to the day they pay but not with ones that go through the court?
  5. dx hello again. I've got the missing statements from the office and when I average out the interest it rises to a whopping 31.44% pa! What I've noticed going through the statements is that in months where I've almost paid off the balance and there's just a few pence interest, that interest is very high as a % of the o/s balance and this is driving the overall average up. is this normal? Please see revised spreadsheet uploaded and thanks again. Pinny
  6. Thanks dx I've got 3 years statements to hand (rest at office so will get them tomorrow) and the av rate from 1999 to 2001 is 23.39%. To calculate monthly interest, I've taken the starting balance, removed the credit, then divided the interest by the result, multiplied by 100. Is that right? Spreadsheet attached.
  7. But in the meantime, I've made a donation. Really appreciate all your help regardless of how much I get - the feeling of righting a wrong is goooood
  8. Thanks again! I think it's likely to be PPI only because otherwise with compound int all charges would tot up to nearly half a mil! I don't think that's likely, sadly!
  9. Dear maroondevo 52 Thanks for this - in column I of the CI sheet, how do I calculate the charge please? Is it interest, plus PPI, plus spending, plus charges (annual, late payment or over credit limit) - so the same figure as in column C of the REDRESS CALCULATION UNDER FOS RULES - RUNNING CREDIT ACCOUNTS Thanks again!
  10. Hello - can I ask for some advice please? I have found an almost complete set of statements from Sep 1998 to May 2002. It covers an Alliance & Leicester credit card now taken over by Santander. I have to say that Santander have previously been good within limits - paid out when statements missing and very quickly. Of course, we should never have been in this position to start with but they do seem keen to be seen to be doing the right thing, unlike many others. My questions are these: 1. Given that the start date is so long ago, if I went legal, t
  11. This was an especially acute problem over Christmas with a lot of complaints on the Amazon website about my Hermes (different from the Hermes network) but this applies to most online sales companies. The issue is this: as a customer you have to pay postage (quite rightly) but get no choice of who is used and usually no visibility of which company before you’ve paid. So, most Amazon purchases are delivered by the cheapest, most unreliable form whose online tracking system is sheer fantasy and is acknowledged as such by many frustrated customers. A company that many would not choose to use i
  12. My question starts by being about about Hermes and Amazon but in the end it becomes a question about why you can't choose the delivery service used when shopping on the internet. I've asked the Amazon forum whether When sellers using Amazon marketplace , are they obliged to use Hermes for delivery? I have had such appalling experiences with Hermes (the latest only this week described my parcel as awaiting 2nd attempt at being delivered when it turned out that it hadn't even been collected from the sender, 3 days late!) that I was horrified to see that a delivery I ordered in good time for Xma
  13. OK thanks everyone. I've asked her to do that Pinny
  14. Thanks Brigadier - he has sent numerous texts and called round without making prior arrangements. What feels wrong is that he was told by Trading Standards that because there was no written quote; no 2 week cooling off period; the work was described as dangerous and contravening building regs by a member of the Fed of Master Builders; and he started work without being commissioned to do so, in law there was no debt. But the very same day, having received that advice, he put the amount he claimed with a DCA. Look forward to hearing your views and thanks again. Pinny
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