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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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its going to well past 3K

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yeah, natwest may play silly buggers with statments over 6 years old, its a 13 year old card.

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Yep, your right...they may well do.

 

If you can't get all of the statements then you can use this spreadsheet which will go some way to working out the contractual amount but it won't do the 8% bit

 

FosCISheet v101.xls

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Natwest Credit card, refusing SAR as I did not sign my letter.

 

 

I was under the impression you did not have to sign

 

Credit card, Natwest current account, and voter registered to this address

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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


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 assume that's so they can see it, but not scan it and print it on to a pre-dated agreement

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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!


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ok, I'll sign it, but I'll make a scan before I send so I can compare.

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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.


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Uploading documents to CAG ** Instructions **

 

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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

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Please Read

 

 

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

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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

 

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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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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three threads merged for history.

title updated

  • Confused 1

..

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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

 

Yup, still 100% live with about £600 on it

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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


..

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ok, looks around £4 to £5k to reclaim

 

So its letter to cancel PPI and demand PPI with interest paid back next?

 

looking for the template letter, must be blind

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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


..

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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

 

 

So thats it, no covering letter ?

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