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Found 22 results

  1. I received a letter dated 5/12/17 from MBNA offering £924.03 minus £184.81 UK Withholding Tax. This was for a PPI undisclosed high commission complaint (PLEVIN) on a very old credit card on which they had refused a PPI repayment as they claimed it was not mid-sold. I am a 70-year old female Pensioner who had a mild stroke last week and do not understand these things, but also do not trust Banks. Is the UK Withholding Tax being paid directly by them to my HMRC 'account' ? Can they be trusted to do this. How can I check that the calculations given are correct? They
  2. Hi all. I had an accident at work and was off for four weeks. My employers usually pay SSP for the first week of absence and then the 90% sick pay scheme kicks in. Because my accident was effectively their fault, they agreed to pay me full pay for the first week. However, I received my payslip, which included a lot of overtime, and I really think that I should have received more than I did. Before I post it (with my private details deleted), please can I ask if there is someone who works in Payroll who can help with the calculations?
  3. I am seeking help on a few points following a calculated PPI award from MBNA. Essentially, I think they are using their own interpretation of “returning to position” in order to be seen to be conforming to FOS guidelines: while not actually really doing so. I am wondering if anyone agrees, or if I am barking up the wrong tree. If anyone is interested in taking a look I will post up a PDF of their “full breakdown” – calculations that seem far removed, I think, from what it should be by using conventional and more widely accepted methods - such as would be the case with other banks and ou
  4. as above, CCA'd egg on 16/07/08. They responded with an unsigned agreement and nothing else, no terms, no other info. Wrote back to them to tell them account in dispute as they have failed to provide etc. put in the dispute letter the usual about "you may not pass this account on" etc but they've completely ignored it and sent a letter back saying the account is now closed and will be passed to a DCA for collection what do I do now?
  5. I've been filing self assessments for several years now due to renting a house out and would like to view my previous submissions, the gov.uk site only seems to allow me to view the last two and in different formats, one being every field available regardless of whether I entered anything. is there a way to view more & in a consistent format? Thanks
  6. Hi All, I currently have arrears with my NRAM mortgage, of about £4500, of that £550 + interest + 8% is arrears and " payment option fees" and a solicitors instruction fee. I usually refuse to talk to them on the phone, but recently did, and let slip that I wanted all fees back, I received a letter in return ( 8 weeks later! ), simply stating that because I had gone into arrears, they "would not remove the fees or interest or charges." So, do I now send them a formal Request for 'repayment of charges', Also because I am in Scotland, do I need to change the word
  7. 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
  8. I recently received a PBP pay out of £2439.55 although this was used to offset a different account I have with Barclaycard collections despite having a repayment plan in place I'm happy with. The breakdown for the amount is. PBP cover £825.95 Fees £36 Interest on premium and fees £1322.53 Income tax deduction £63.76 8% interest compensation £318.83 The problem is I was given no information as to how these calculations were made and what they were based on. The time period was 75 months and my APR was 29.9%. What also confused me was when I rang Barclayc
  9. Hi everyone. I have been told theres several people on the site who are very helpful with ppi refund calculations and so I am wondering if I could ask for some help. I have a loan with GE money and they have agreed that my ppi was mis-sold. As it was a single ppi policy - as in the amount of the ppi was just added to my loan as 1 amount the letter from GE states that my refund will be equal to the price of the original ppi + associated interest + stat interest at 8%. Is anyone willing to have a go at the sums for me lol. Loan taken out Dec 2006 Loa
  10. Hi there could any1 help me out with whether the ppi offer looks about right? Here goes loan taken out in dec 2006 over 5 years finished paying it off 5 months early* premium £3240.70 Contactual interest £1628.46 Total amount pyable £4868.16 Rebate £50.66 Basic compensation £4818.50 Interest £486.75 Total refund £5305.25 The fos states that that i should get 8% simple on each monthly amount a year from the date each payment was made to the date of redress. Also calculating the amount I would of paid to settle the loan without ppi ans subtracting that from the amount fro
  11. Hi, After over a year of trying I have finally received a calculation from Barclays for my Mastercard which I took out in 1996. After the involvement of the Ombudsman they offered to settle out of good will with no admission. The offer letter I received stated that they are admitting that I was missold. The letter is a little cryptic in that it states that they are "not required to retain statement information for more than 6 years" and that the value of payments prior to 2005 would be calculated assuming that the payments reduced at a steady rate to 0 going back to 1996. They say th
  12. Have a look and let me know what you think. Any help will be appreciated. http://s911.photobucket.com/albums/ac318/zentrix9/MR%20VIRGIN%20MNBA/ I will be sending a SAR request tomorrow to see what I get back
  13. This forum has been amazingly useful to me in my claim for PPI mis-selling vs MBNA. To cut a long story short; I attempted to claim mis-sold ppi directly with MBNA who rejected the case. I then approached the FOS who (some 12 months later) have upheld my complaint and have informed me that MBNA will be making an offer of compensation. In order to calculate what I may be offered I have used the FosCISheet v101.xls. My concern is that this spreadsheet has calculated a SUBSTANTIAL amount of compound interest based on 2.5292% per month 30.39% APR. The credit card dates back to 1995 and I have
  14. Hello! After several weeks of reading threads and really useful posts on here and other forums I am almost ready to submit a claim to Lloyds for the PPI I paid on several loans from them. Before I do this, I would like to be able to calculate how much I ought to be expecting them to offer me as a refund and have tied my brain in knots trying to do the sums. I wonder if someone on here might be able to assist me please? There are 4 loans in total which all had single premium PPI on them. One was a standalone loan which I took out, paid back at the set rate and then pa
  15. Hopefully I've managed to attach the document ok. Both myself and my wife were lucky enough to receive a cheque straight off from MBNA without any fighting. I didn't know at that stage that MBNA workers didn't do maths at school, so pocketed the money , no questions asked (6 months ago). Following advice on here, I wrote to MBNA asking for their calculations, which they've sent straight away (I was expecting them to tell me to clear off as I got the cheque so long ago!!). I've included their calculations as a document. I've put the figures into one of the spread sheets and it comes out
  16. Dear All I managed to get mum to check whether she took out any loans and managed to dig out paper work for an old AA LOAN IN 2004 FOR £20000 LOAN- £20000 MASTER INSURANCE- £6891 TOTAL LOAN- £26891 TOTAL TO PAY BACK AFTER 84 MONTHS IS £33892 AT £404 PER MONTH. The loan was taken over the phone as a joint loan along with dad. mum was 64 and dad was 65 at the time and both working for nhs and royal mail. mum said ppi was added onto the agreement with out any discussion other than taking the insurance would grant them that big loan and also they would get it a
  17. Hi I'm new to this forum thing and was wondering if anyone could help me. I've heard from the FOS that Barclays are now willing to settle my ppi claim but I'm wondering how this will be calculated, this is where I could use some help. Let me explain a few details:- I took the loan out with Barclays in 1999 the ppi was added to the loan along with interest. I made payments for 40 months before I got into financial difficulty and I contacted the CCCS through whom I continued to make reduced payments until the loan and PPI was fully paid off in dec 2011. So my question i
  18. Hi, Can somebody please help as I can't for the life of me get my head round the figures we have been given by Black Horse for our ppi offer. We had two loans, both with ppi added on top. First loan was consolidated into second loan 9mths after taking it out. The second loan ran for 4 years with ppi and we did make a claim for one month on it, but this is listed separately in the calcs. The one part which has confused us is this... "Less Payments Due if Pro-Rata Basis" Black Horse have knocked a hefty £750 off the balance under this heading and we've no idea why? Can anyone shed any
  19. Hi, Sent a SAR to HBOS for mortgage details as I'm sure we had PPI and were forced to take their very expensive House Insurance in order to have mortgage accepted. Today they sent me a copy of loan agreement and statement for a loan I took in 2001. Nice suprise and had forgotten alol about this one! First question, which spreadsheet should I use as the loan hyas a small rebate halfway through so am unsure how to work out claim Second question, the letter says this is ALL available info they hold and are required by law to send. The mortgage was joint so maybe that's why alt
  20. I want to check if my employer has correctly applied my leave entitlement. He calculated my pro-rata entitlement to be 15 days. Which is what I expected. I work 36 hours per week with Mon, Tue and Thur being half-days. If Monday was a bank holiday, Is it correct for my employer to deduct 1 day from my entitlement even though I only work 0.5 days on Mondays?...I wouldn't be complaining if they actually paid me for a full day, but I still only got paid for 0.5 days. Unless I'm mistaken, it just doesn't seem right. Can anyone help confirm?
  21. Hi It appears the csa do not care for the fact im being paid relocation money when the office moved premise. Im now doing 120 miles a day, 600 miles a week,33,000 business miles on my own vehicle This money was just paying for my fuel (let alone the wear and tear) - now the csa have caught on, theyve upped the payments i have to make Is this allowed? Its not actual income or overtime but money to compensate me for the move
  22. Hello. First post on this forum so here goes Can anyone help with these calculations or give any advise me on this I have had 3 consecutive personal loans with the same high street bank and now in the process of making claims. The main reason for making the claims is that I have been self employed since 1983 and was not made aware of the specific exclusions relating to unemployment cover. Basic info as follows: - Loan 1 Started 5/1/98 Settled with new loan 17/8/01 (43 months of 60 month policy) Loan amount………………..8000 Personal loan protector……1800 Total interest………………..33
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