One SAR for all, and questions

[hur575]

]Hi all,

 

I am claiming all the charges and ppi, I have few questions please.

 

I have Halifax credit card and I had Halifax loan. On the loan I was sold ppi but after a year of paying I cancelled the ppi but Halifax told me they have to do a new agreement without the ppi, which I am still paying. I still have the original agreement.

 

The figures are

Amount of credit ( the cash loan) £5000

Amount of credit ( the insurance loan) £1058.59

Total amount of credit £6058.59

Total amount to pay for the cash loan £7024.80

Total amount to pay for the insurance loan £1487.40

Total amount to pay for the total loan £8512.20

Duration of agreement 62 months

Amount of monthly payments £141.87

Apr 14.1%

 

My questions

 

I think this is a single premium?? I saw the calculator on the site, do I just work out the amount for the one year I paid it for?

What is the Principal sum?? Is it the total for insurance?

 

Do I send one SAR with £10 to request the ppi, and credit card charges ??

 

Also the same for Natwest I have ppi, and charges on the credit card, one SAR for both info?

 

Finally, I want to go further that 6 years, and I have read it is possible with a fight, and I am prepared to put the fight, as I am struggling financially at the moment. I found one old statement with credit card charge of £25, and I know I was charged more before as I was doing silly mistakes, by going over the limit by a pound, and get charged two fees, been over limit and late fee.

 

Thanks in advance

[dx100uk]

charges claims are sometimes limites to 6yrs

 

PPI is NOT.

 

using these spreadsheets

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

the loan will be the first one

 

credit cards are either no.2.

 

or

no. 4

 

depending upon the eventual route if they dont cough up.

 

dont forget the FOS CQ's

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

for all PII reclaiming + a covering letter

 

and the credit card letter is in the library top left green tab

 

as for the SAR's

 

one per 'group' only.

 

see '0' belew on how to calc things

 

and dont forget the red tabs on the spreadsheets.

 

dx

[hur575]

Thank you, the links are great help I think I have worked out the ppi for the loan now. I need to work out the credit card one.