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Barclaycard PPI-Denied as ppi was taken out prior to 2001!!!!


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Excellent news, candyapple. Have fun with your spreadsheet, just yell if you need any help :)

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Citizen B.

 

Here is the spreadsheet just from known statements from 2001.

 

Could you have a quick look for me?

 

Am pretty sure they are correct.

 

Interesting to see how just that period id only 2000 less than entire BC offer.

 

Plus, in their offer, from Jan 2001 back they went down,

 

as I said I have prrof (from them!) that it went up to 7424.

 

I can pinpoint that timeline by the manual credit limit increases we requested.

 

I am going to estimate card usage from 1994 to 2000, using all that info, and let's see what we get! Hee hee, am starting to enjoy this now :)

 

[ATTACH]42498[/ATTACH]

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so for the whole timeline of that spready you have ALL the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, from Jan 2001 through to current, I have ALL those statements, all the spending, payments and PPI amounts are taken directly from statements. So now I have to guestimate working backwards, using known highest balance and requested credit limit increases. Will be rough, obviously, but gives me a better indication. Basically, what it does tell me is that BC are saying that from May 1994 through to Dec 2000, PPI payments came to 1464.10 - so average of 18 pounds a month-think not. From Jan 2001, it will go up until about early 1999, where it would have been 7424, and then work its way down again! Does the spreadsheet look ok?

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CA, I see dx is already on the thread, he and ims21 will be your best bet for checking the spready for you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It looks ok to me.

 

Nothing more to add really :-)

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OK, here is my redress offer estimate. Dates highlighted in yellow are all guestimates, I admit very roughly worked out, but I have also attached PDF of my justification for the balance amounts. Please have a look and let me know if you think my reasoning makes sense, or have I just gone crazy looking at too many spreadsheets for over a year!!!!

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Looks good to me - you had a an increase to £8,200 in 1998 so am assuming the highest balance would have been at that time, which is what you appear to have worked out for yourself.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...

sent off paperwork over a month ago,

no response,

rang today,

got a whole load of useless info I knew.

 

They said could not recalculate if no statements for period.

 

I asked how they had calculated for the missing dates between 1994 to Dec 2000.

 

The supervisor I spoke to today said they take the last two known statements, average out the PPI on those,

and use that amount (not what I was told last time!)

 

However, if you look at my spready, the last two known PPI payments are both 36.95,

so then it should be 36.95 from May 1994 to Dec 2000

-worked that out and it came to over 50,000 for the entire card, when they paid 11,000.

 

Best bit was,

when I said well that should be 36.95 per month,

he said he couldn't confirm that,

as they may have earlier statements in the calculations office.

To which I replied, well, that would be interesting as you have already tried to hide a heap of statements from us already!!!!

 

So either, those are the only statements they have, which means our pay out should have been a heck of a lot more, or they have to admit to witholding more info!!!!!!

 

Can anyone shed more light on this?

Anyone had an offer which included missing period, and was told how it had been calculated?

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yrs we've seen this last two known payments method with BC before.

 

though I think its a decreasing to £0 at start though.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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decreasing I thinkj

 

yhough the other one here that mentions it

the last two statements are £0!!

 

so for the previous 6yrs

BC are sayting they owe NOWT!!

 

haha

 

cant find it but its here somewhere.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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