thanks ims.

hi ims21 any ideas how to reduce the spread sheet so that it fits on to a page or just two pages . that credit card fosppi sheet that you said use is rather large.

regards nigel1804

sorted it ims i seperated the first six numbers basically the sort code from the rest. might be usful for others.

regards Nigel1804

its put down as a loan acct number. in fact when studying it they look like they have incorporated there sort code into the number can't be a coincidance surely that the first four numbers are the sort code of the branch.how do i change format to number. double click on the box to reveal the the hiden formula.???

regards nigel1804

If i go back to the box with the curser and double click the original number comes back. but it will not let me print out the completed form with the corrct number in there.

there is a 14 digit acct number and as soon as i go to fill form in and move the curser away from the box it turns into 4.0271E+13....!!!!

hi ims, on the form statinv101 for my sons case, I have filled in the 36 monthly payments, but on the top where it says account numer its gone funny and it also says the monthly payment of PPI is 836.30 should that read total PPI. not monthly.....will they pick up on this.

regards nigel1804

Morning, just trying to build a letter on my sons case. I think my son thought it was all part of the deal as it comes on the same sheet as the loan details. it was his first loan he had taken out. So in this light could it be said that it was not made clear to him.

regards

nigel1804

thanks for the advice ims starting to loose a few rusty bits now just struggling to print the damn thing now.....might see you tomorrow good night and thanks once again.nigel1804

So basically we can take it that the 35 payments went out on the 1st of each month my son credit rating is impeccable so it would of done. so in that statinsheet there will be a list of 36 payments.is it normally cut and dry or will we have to go to fos for there 5 pennyworth.

thanks ims21

nigel1804

UNDER "CREDIT PROTECTION INSURANCE LOAN " HEADED BOX

Amount of premium £685.77

(including Insurance Premium Tax)

Amount of Loan £680.00

total Charge for credit £150.30

APR 14.9%

total Amount payable

under this agreement £836.30

this was to be paid at initial £23.25 1st sept 2003 and a further 35 payments of £23.23 per month.....

hope this is a help..

nigel1804

Can you out the figures up here please NOT SURE WHAT YOU MEAN DO YOU WANT ME TO JUST PUT THE FIGURES ON HERE NOW AND WILL THIS AUTOMATICALLY TAKE ME TO THE NEW THREAD

REGADS NIGEL1804

has someone moved my stuff on Hsbc its vanished..../???????

ndr1804

yes I have read that but what is confusing me is do i just do a single entry eg the total amount payable under this agreement............and does the 8% can i pm you the figures as they stand please.if i can remember how to do that.lolol.regards Nigel1804

So which spreadsheet would I use for this type of PPI is it the statinsheet and do i use the total amount payable under the agreement to claim back

regards nigel1804

I have also come across a loan that my son had from HSBC . now this loan started on 1st sept 2003 for 35 monthly payments.there is a principal loan and a seperate box named

"CREDIT PROTECTION INSURANCE LOAN" this spells out the following:

premium amount(including insurance premium tax) £xxx

Amount of loan £xxx

total charge for credit £xxxx APR14.9 % this is just for the credit protection insurance loan bit. Is this included as PPI and are we still in the time band as it completed 35 months later which takes us to Sept 2006......... Can we claim for this even though it is in his agreement...?

regards ndr1804.

just as a matter of interest . Do I use the old " Data protection Act 1998 Subject Access Request " form to get the rest of the statements that I require or would they just look over the one's I don't have to complete payment.....thanks

regards nigel1804

thanks ims21, I have included it but towards the end they stopped charging me for the repayment cover don't know why.

Going for 2nd card now..........regards ndr1804

Well believe it or not I didn't even realise that there was this charge on my account until i 've just checked out of curiousity.....I have one charge going towards the last staement which says "Halifax card protection ESHER" all the others say the repayment cover are they the same thing do you think...?

thanks ims21.

regards nigel1804

Can you just tell me do i use spreed sheet Cis (2) for the credit cards and just fill in when the charges was applied, does it work differently than the charges I thought the 8% was only added if they were taken to court.........sorry not found the FAQs about this PPI yet.

So basically do a covering letter and fill in spread sheet and do the spread sheets work out the interest like the charges did and which interest do I use to claim back......getting into it again..

thanks ims21

Yes I have them from when I claimed the charges back from them in 2006. I'm just a bit rusty on the site after being away for some time.............mortgage paid out way more than the cost of the PPI ...I think but i will have to calculate.....but I'm going to do my 2 old credit cards..... I had a loan with the Halifax as well which paid these off but they have taken the acct number off the online banking maybe i should check that out too.

regards nigel1804

WELL ,WELL, WELL here we go again,

Could someone please just advise on on the following. my statements from my old credit cards have a thing on them called "repayment Cover" do I take this to be a form of PPI.

I have also had income protection on my mortgage and a loan but I have had to use this feature......can I still claim the PPI back even though I have had to use the scheme or is that just being a little bit cheeky.

My last statement on these cards was june and july of 2006, can I claim and can I go back to when I first got the card in 2002...?

Hi again to old friends on the site..

Regards Nigel1804

What a good idea. And then send harrassing phone calls automatically to remind them of just how much in credit I am and then charge them £39 a time for everytime I write to them to tell them how much in credit I am.

Yes true, I'm still looking in those obscure places for that terms and conditions.......someone must have a copy somewhere.....!

regards

Nigel

I have been frantically trying to find some of my old terms and conditions for bank charges. I have a letter which the second paragraph says:

"I am sure you will appreciate that like other organisations we incur costs for administrating your account for late/unpaid payments or overlimit situations. The bank believes it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our organisation, penalising all our other customers as a result."

So does this mean that they are penalising me.?

Don't know if this helps in anyway The Consumer Forums - FAQ - The New Bank Charges Position

I normally keep allsorts of rubbish so I'm going to keep looking for the terms and conditions of the time.

regards

Nigel