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studio catalogue ppi & charges reclaim


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I have received quite alot of pages from Studio!!! These include listings of orders, returns, charges, payments, telephone calls - no agreement!

 

The long and the short of it being - I now have to reclaim these charges - do I reclaim using Statutory or Restitution interest!

 

Am I missing anything else that I should be doing?

 

Thanks in advance

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Do I also include the PPP with the charges or is this done separately??

 

Thanks

Edited by Helenm
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I have being doing much reading and I am sure I have completely confused myself!!!!!

 

When sending off the SAR - what are you supposed to receive back!

 

MBNA sent back list of charges

Halifax sent back list of charges

Barclaycard sent back list of charges

Studio sent back list of charges, order information, transaction lists, account history notes, PPP notes.

 

Not one of the above have sent a copy of the agreement - is this right??

 

Thanks in advance!

H

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yep

 

thats a CCA

however you CAN add a line which requests the CCA copies

however the are not obliged to do so

and if the AC is CLOSED or terminated

then even a CCA wil not produce one.

 

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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Ok so everything I have received back would be correct - I dont need a copy of the agreement then? Will I need it - thanks!

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I have received quite alot of pages from Studio!!! These include listings of orders, returns, charges, payments, telephone calls - no agreement!

 

The long and the short of it being - I now have to reclaim these charges - do I reclaim using Statutory or restitution interest!

 

Do I also include the PPP with the charges or is this done separately??

 

Am I missing anything else that I should be doing?

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PENALTY charges a nd PPI are two sep claims.

 

i each case you need to fill in the following spready [sOC]

 

This third spreadsheet is a calculator that will work out a fos based PPI award on a Revolving Credit Account such as a credit card. It will also work out the additional 8% interest awarded where the account moves into credit as a result of the removal of the PPI from the account. Be aware that you will need ALL of the account statements for this spreadsheet to give the correct result.

 

FosRunningPPI v101.xls

 

 

and an FOS CQ http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

PPI needs a covering letter

 

chargs reclaim needs the letter from the green library tab top left.

 

i'll mve this to the cat forum

 

there are plenty of threads there to follow.

 

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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start a new thread for your MBNA and halifax claims in the named forums for those banks

 

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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Thanks DX - had a look at the spreadsheet omg its so complicated - i dont know where to start with that lol

 

is there an easier one to use? it was listings that i received showing the ppi/charges/payments but not actual statements.

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two claims

 

use the CI sheet

 

one for each

 

and dont forget the FOS CQ

 

 

 

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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it is not complicated

 

just fill in the three cols for EACH payment of PPI

 

and do the same on a NEW SOC for the charges.

 

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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Hi Dx

 

I have now completed the PPI on the FOS spreadsheet - actually got quite a surprise :-D - I have also completed the charges on the CI sheet.

 

If you dont mind - could I have someone have a look over them if I was to upload or email?

 

Maybe tomorrow before I can them uploaded mind you!!

 

Kind regards

Helen

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yep sure.

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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so the ppi col has every instance of ppi being paid from 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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and ALL the balances through out the spready match what the statements say month on month?

 

in otherwords, your 'recontructed' statement using the mirrors the real ones?

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 i did - took the last date of each month added all orders, deducted any refunds etc and added payments made within that month - went through it twice just to be sure ;)

Edited by Helenm
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ok then one done

 

do the FOS CQ and a covering letter and thats all you fire off to them.

 

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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  • 2 weeks later...

Hi - just about to send this away now - been so busy!!!

 

is there a different letter that I use for reclaiming back the PPI? or is it just the same template for the charges?? thanks!

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you just send a simple covering letter

as the rest is in the FOS CQ

 

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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  • 3 weeks later...

Letters FOS cq and charges for PPI and lates fees sent away on Wednesday!

 

Home today to find a letter from Studio regarding my account stating that it has came to their attention that I belong to a group of customers whose policies may have been affected by their failings in sales practice. woohooo I think

 

Phoned them anyway and a case has been started to reclaim this PPI - they asked a few questions such as husbands DOB and status such as disability and work etc. Just so happens the PPI was in my name I worked full time and my husband is in receipt of Incapacity Benefit and Disability Allowant- does this make a difference?

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Got letter from Studio today regarding the PPP - just to inform that my case has been passed to a claims handler and will write to me again in 8 weeks!

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