Halifax/1st Credit

[dx100uk]

no, they can only update the account.

 

dx

[dx100uk]

several threads on same debt merged

 

dx

[dx100uk]

no

 

though i would never believe a DCA anyway

 

your CRA file will tell you the TRUE figure

 

dx

[dx100uk]

then sar the OC

 

dx

[dx100uk]

account history from the OC.

 

get that SAR off.

 

dx

[dx100uk]

this has been going on since 2008

 

if anyone were to do anything

it would have been done by now.

 

sev threads merged.

 

dx

[dx100uk]

they haven't till now

 

surely the sb date must be very very near.

 

dx

[dx100uk]

I think you've played enough letter tennis.

 

could be why they keep trying.

 

they think a mug awaits

 

dx

[dx100uk]

think you might be right!

 

dx

[dx100uk]

put them all in this sheet

put the cards avg APR in cell D 15

 

CISheet v101.xls

[dx100uk]

not got office installed?

 

then you need to download open office

 

when you get the spreadshet working

you'll need to workout the AVERAGE interest rate theyhave charged you over all the years

and enter that in cell D 15

 

not important though

if the card is still active

you could use todays ARP

 

dx

[dx100uk]

read the links below my sig.

 

add up the int details you have

then divide by the number of diff ints you have. gives avg of them.

 

that gives the MONTHLY int rate

you need to covert that to APR.

http://www.stoozing.com/calculator/apr-rate-converter.php

 

then put that in cell d 15.

 

enter each PPI payment individually on the date it happened [date/description/amount - 3 columns]

 

the sheet should do the rest.

 

then fill out the FOS CQ from here

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

[dx100uk]

ok just re read things

 

this account is still open

 

look at the last statement [as recent as you can]

 

find the APR [not the monthly rate]

p'haps listed as purchase rate?

 

put that in cell D15

forget about the old rates.

 

dx

[dx100uk]

you say above DCA is still chasing?

 

dx

[dx100uk]

so in the last XXX years have you any indication that interest has been charged?

 

if not

set the claim to date to the date of the termination of the account by haliprats.

 

does the bal at Termination equal the bal being chased currently

 

dx

[dx100uk]

ok

set the claim to date box on the CISHEET to that date.

 

note the total that that gives you

 

take that total and the date of termination...

 

put it into this spreadsheet. using the tem date as the date.

 

StatIntSheet v101.xls

 

that will give you the 8% statutory interest you are entitled to

 

as you've been deprived of that money

from the date of termination [no interest charged from their side]

 

to the date your PPI claim is settled.

 

dx

[dx100uk]

you need to input EVERY payment of PPI

on its date

individually on a new row

 

in the spreadsheet.

 

dx

[dx100uk]

CISheet v101.xls

[dx100uk]

we'll do the 8% on another sheet later

 

shouldn't change the account number as that's a text box.

 

you are using excel not open office.

 

dx

[dx100uk]

find their last int rate they charged your [purchase rate]

 

put that in cell d 15 [white box next to int rate / apr]

 

that should make the sheet calculated the rate on the last col

for all your rows.

 

you should now have three figures in the boxes top right in bold.

 

yes

 

attach the sheet back to me here

 

dx

[dx100uk]

attach it here.go advanced/manage attachment bottom right

 

there must be amore recent apr than the surely?

[dx100uk]

Maybe on the T and Cs for 2008 ..there maybe another intrest rate ?

 

On the 2008 T and Cs it does say THE APR FOR THE AGREEMENT IS 23.5% APR (VARIABLE)

 

Shall I change it to that ?

 

Ill send now so you can have a look ..It still has the 17.9% INT on it

 

yes use that 23.5

 

dx

[dx100uk]

have you filled out an FOS CQ yet?

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

dx

[dx100uk]

have done the 8% statint spreadsheet yet on the CISHEET total

 

you ideally need to post up

your cisheet, lets check it.

 

dx

[dx100uk]

silly billy you've left you pers details showing

I've taken it down

just re upload it to that thread

 

dx