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Everything posted by pinny

  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
  15. Dear CAG I'm encouraging a friend of mine to sign up but while she's in the process can I get some advice for her please? Following substandard work completed at her house, it then transpired that the handyman in question had not given her the cancellation rights she was legally due, thus putting him in the position of committing a criminal offence. This has been confirmed by Trading Standards. The handyman is aware of this and admitted it in writing. In the same letter he confirmed that he was in any case putting this in the hands of a debt collection agency, which has been in touch
  16. Dear CAG I've been in correspondence with Santander re an account A&L used to offer called Flexiplan. This was an account linked to your current account that paid derisory interest if in credit (you paid into it monthly by dd) but you could get an overdraft against your monthly payments into it. After a lot of to-ing and fro-ing, which involved me sending copies of the ts and cs that showed if you had a type of PPI cover the interest rate was lower than if you didn't, I've been made an offer of a few hundred pounds. when I pointed out that the offer made
  17. Yes, and much appreciated! At least it settles the fear that they're pulling a fast one yet again and that can take over your life....
  18. Genius! It's now working thank you very much indeed! You couldn't help me with one final question could you and then I think I'll be able to finish these calculations? There's no mention of an interest rate anywhere on these statements; could you please confirm that this rough and ready formula is OK: So if the balance on previous statement is £1958.75, payment is £59 that leaves a balance of £1899.75. The interest figure is £29.95 so for that month it's 1.58%, averaged over the year that's 18.92%?
  19. Dear IMS 21 thanks very much - that's what I've been doing but it still doesn't seem to work. On line 33 in the attached, I post £0 in the first two cells, and I can see the formula in cells D and then G-K but no results come up. I've checked that the formulas are going down so that they're the same (allowing for the line position) as the one above. It couldn't have anything to do with the fact that I've dragged the formulas down from the line above, could it? Thanks again, Pinny
  20. Dx Pls see attached. The months I have statements missing for I've highlighted in yellow. Thanks again Pinny
  21. Dx Thank you again - I don't think excel is one of the formats you can attach? Pinny
  22. Dx hello again - I have a few key statements missing, annoyingly 3 months where I paid it down to zero so I must be owed interest at that point - I've estimated that it will be in the first of those months. I've tried filling in the spreadsheet by copying and pasting info and also manually one by one - but there seems to be a problem with the formulas when I get to the no-statement period. I've downloaded the sheet a few times and started over in case I've wiped out the formulas but though I can see them in the cells, the calculations stop. Please could y
  23. Dx Thanks again - have you heard the news about incorrect refunds on Radio 4's Today programme this morning - how long have you been saying this for?! Can I check something else please? There's a summary elsewhere on the site I've been looking at from Sep 2012 which I've pasted in below. What we are all due back apparently is 1 -> A refund of the premiums paid 2 -> A refund of any contractual interest applied as a result of the premiums. 3 -> A lender will be required to reconstruct the account with the PPI and associated interest removed. If the removal of
  24. Does Santander/FOS accept compound interest as payable? For this to work, will I need to know an average interest rate? Thanks Dx
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