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About mzfrfd

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  1. Just read your Statute Barred 'pop up' message. Im afraid it is incorrect and will stop people from claiming what is rightfully theirs. i have received a favourable decision today from the Ombudsman on a PPI claim which was launched 11 years after the last premium was paid. Further to this please see below. Limitation Act 1980 c. 58Part II Fraud, concealment and mistake Postponement of limitation period in case of fraud, concealment or mistake. (1) Subject to [F1subsection (3)][F1subsections (3) and (4A)] below, where in the case of any action for which a period of limitatio
  2. Why is it Statute barred? And the reason for asking is if there was any 'mistake' made I'd like to go after the bank for restitution.
  3. Hi Im not sure if this is correct place to post this so I'll be brief and wont object if someone moves my post to the correct place! I have done a DSAR and noticed on my Bank Statement in 2007 that a cheque I wrote was presented on Tuesday 02/01/2007 and it bounced. It was further presented on the Friday 05/01/2007 and bounced again.* 02/01/2007** *Tuesday 05/01/2007** *Friday If cheque clearing took 4-5 days at that time, how could it be possible that a cheque could be represented 3 days after bouncing in the first place. I am mystified! Please can anybody shed any
  4. Just to put this one to bed. I did not get any charges back but did get £2821.65 which was Service Fees + interest. Thanks to everybody who assisted me. MZFRFD
  5. I do have a full set. From 2001 - 2008 for which I have used Fosrunning spreadsheet. Nonetheless for that period alone my compound interest differs from the banks. I have £430 and they have £285. So something is very amiss. The missing data is from 1998 - 2000 for which the bank is making assumptions.
  6. Hi Ims21 did a fantastic job with FosRunningPPI v102.xls based on PS10/12. Does Ims21 or anybody else have any plans to do an update based on PS17/03? I ask as I am in protracted discussions with FOS over a claim and its worth, and they are discounting my calculations using FosRunningPPI. Their statement to me is below: "....It is not our job to audit the Banks calculation, there are periods of missing data and assumptions have been made, we feel this is fair when the business and the consumer don’t have full records. We check to see if the offer is fair and this offer is w
  7. Thanks for the response dx100uk. It looks as though I'll be charting new territories which is not good! Ill be giving it a go nonetheless. Thanks again for the feedback.
  8. Hi I put a claim to the Ombudsman for the return of fees for my Advantage Gold account after months of wrangling with the bank over its perceived mis-sale which the bank denied. However I received a letter from the Ombudsman who has advised that whilst they haven't looked at my case or paperwork yet the bank wants to make me an offer which constitutes of the return of my fees plus interest, less any benefit I received for the preferential loan and overdraft rates I received. Thats fine as it stands. However I want a lot more than that if redress is supposed to put
  9. I've just checked the spreadsheet I posted up and realised I'd deleted some code from the first 2 rows. I've corrected this now. Sorry! FosRunningPPI v102 CookieRocks Blank v.01.xls
  10. Your welcome CookieRocks I prefer that people get paid exactly what they are owed when they have all of their statements and interest rates, so I personally would not want to forward an estimated interest rate. With the exact interest rates inserted into the spreadsheet, your totals and claim is indisputable. Numbers are absolute and not subjective, and the FOSRunning spreadsheets' calculations reflect the approach used by the Ombudsman, and produce the numbers that the Ombudsman's calculations would produce. That is beyond doubt. The decision of a mis-sale has already been made
  11. Hi Cookierocks Have a look at the attachments and let me know how you get on. FosRunningPPI v102 CookieRocks Blank.xls Cookierocks.doc
  12. Summary Advantage Gold Account held between 1998 – 2008 2 x PPI reclaims successful 1 x NatWest Credit card PPI complaint successful 1 x Packaged Account fees complaint ongoing Bank charges History Circa £7000 taken in Bank charges between 2004-2008 which caused extreme hardship and stress related illness at that time. Whilst there is no hardship now, there was severe hardship at the time so my belief is that any claim now would be based on current circumstances and fail. Any thoughts on this? A complaint made to bank in 2007 to recover charges was put on hold by th
  13. Hi honybee13 Do you know of anybody on CAG who has attempted to get their bank charges back via the method that Lord Tiger suggested? Its seems like a rational approach...
  14. Hi Lord_tiger_putin I've just come across your post and wondered how this ended. Did you have any joy?
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