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Natwest Card - calculating PPI


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Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO

 

 

card was taken out april 99

 

How do I work how much I could be owed

 

is it the PPI plus the culmintive interest of the card on that PPI over the years

 

Plus the 8% interest

Edited by cirian75
was posted on IE6, it ruining the sentances
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Hi

 

With a credit card you will get back the premiums paid plus the contractual interest paid as a result of those premiums. In addition, where the removal of the PPI from the account causes a credit balance for any period, you will get 8% simple interest on that credit balance for that period.

 

This spreadsheet will help you reconstruct the account but you will need all of your statements to do it

 

ims

 

FosRunningPPI v101.xls

 

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  • 4 months later...

You dont have to sign for it, but theres no harm in doing so. Just make sure to write over your signature with little xxxxxxxx's.8

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I can never see any reason for not signing a SAR not doing so wastes what might be valuable time in many cases!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You dont have to sign for it, but theres no harm in doing so. Just make sure to write over your signature with little xxxxxxxx's.8

 

Little X's?

 

Yes, you can sign either over a tamper proof signature strip or a grid of

 

 

XXXXXXXXXX

XXXXXXXXXX

XXXXXXXXXX

XXXXXXXXXX

 

if you change the colour of the "X" grid to a light grey or yellow, it prevents "lifting" of the signature.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Just to add, its not known for a bank to do this, but its a good idea to keep things secure.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just to add, its not known for a bank to do this, but its a good idea to keep things secure. .

Sorry, but I have to differ.

http://www.guardian.co.uk/money/2011/dec/09/natwest-admits-signature-forgery

NatWest admits signature forgery

 

Suspicions were raised when a customer discovered he had 'agreed' to terms and conditions on a loan when he insists he hadn't

 

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That was a bank employee who copied rather than lifted a signature though wasnt it ?

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

1: How can BCOBS protect you from your Banks unfair treatment

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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  • 6 years later...

A blast from the past

 

back in 2012 I started my PPI reclaim against NatWest Credit card

 

Only got 6 years worth of statements on a 1998 to then 2012 card

 

Other things happened, huge falling out with landlady, never got back to it

 

still have the card, still got the PPI sitting there

 

I can't find my original SAR letter I started with, should have been on my GDrive but it is not

 

So looking for a SAR template letter and advice.

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click sar in your post then

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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three threads merged for history.

title updated

  • Confused 1

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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  • 2 months later...

I've got the SAR

 

only from 2001 though, they say they don't have the record for 1999 to 2000

 

Pity as that is when I was most stupid with money

 

inputting the numbers into the excel sheet found here

 

how is the interest calculated? is at the card rate or the 8% I keep seeing around as plainly when they is money on the account the PPI is getting interest added at the card rate

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is the card still active?

 

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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then use the cisheet or the foscisheet at their int rate [avg over the years] in cell d15

 

for those months you don't know , either use say an avg of the 3mnts nearest data, or get you bank statements and workout the ppi level paid for them

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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  • 4 weeks later...

you fill out the FOS customer questionnaire from the FCA PPI link on their website

and send that along with a copy of your spready to natwest

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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its not compulsory

PPI2.doc

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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