Halifax credit card PPI

[lra]

Received my SAR from Halifax and have all the statements from 2000- 2008 and a copy of the credit card application.

 

For the first 14 months there was no PPI added but after that it was.

 

The application states that I ticked NO to any kind of PPI.

 

Added up the PPI and it totals almost £2000 without interest.

 

I'm sure I can make a claim but after having little success in the past claiming back contractual interest should I just claim the 8%?

[ims21]

Use this spreadsheet to work out the award under fos/FSA guidelines.

 

FosRunningPPI v102.xls

 

You will get back...

 

1-> The premiums Paid.

 

2-> The contractual interest charged to the account as a result of those premiums.

 

3-> The account will be reconstructed without the PPI and interest. If that reconstruction shows that for any month the account would have shown a credit balance, you get 8% simple interest on that credit balance for that month.

[lra]

After having my initial complaint rejected I asked Halifax to investigate further and I received this reply ' Following the review, I believe it is clear there was a failing in the sale of your PPI' They have offered to refund the difference between what I paid with PPI and what I would without but no interest at all:???:

[ims21]

Have you actually got an offer letter with the amounts set out in it?

[lra]

Sorry about the delay had to request a full breakdown.

 

Closing balance at refund date £12747

Reconstructed closing balance £9916

Difference between closing balance £2831

Simple interest on difference from account closed to refund date £0

Simple interest for any months in credit £0 (this looks correct)

 

£1749 PPI charged

 

PPI start 4/10/2000

Account closed 12/11/2007

Refund date 12/11/2007?????

 

Does this look correct?

[lra]

Has anyone got time to check this please

[ims21]

Have you filled in the spreadsheet I linked you to?

 

Was the account closed and paid off?

 

 

You will only get simple interest on the closing difference if the amount due on the account was actually paid to them.

[lra]

The account defaulted but was paid in full then closed. I tried to use the spreadsheet but with all the charges etc I struggled. Should there be any simple interest? I have a full breakdown very similar to the spreadsheet.

[ims21]

The account defaulted but was paid in full then closed. I tried to use the spreadsheet but with all the charges etc I struggled. Should there be any simple interest? I have a full breakdown very similar to the spreadsheet.

 

Can you post up that breakdown minus any personal details please?

[lra]

The writing is really small and when I take photo you can't read it. My scanner is broke but I'm quite sure you wouldn't be able to read it.

 

It states in the letter 'as your account was passed to our recoveries team in 12 November 2007, we have calculated your refund at this date. I took out a loan and paid the full amount a couple of weeks later, December 2007.

 

I'm getting really fed up with these banks, I'm not a gready person just want what I'm owed.

[lra]

You may be able to read the attachment now

[dx100uk]

please convert to PDF

 

dx

[lra]

How do I convert a photo taken on my phone to a pdf?

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

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!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

IPHONE only, take a pic and convert to pdf via an APP

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

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

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

[lra]

I'm sorry but the last post means nothing to me it may as well be in another language

[dx100uk]

there are free apps you can use to convert the pic to a pdf.

[lra]

I am unable to post spreadsheet. Should there be an offer of simple interest with my refund? Simple answers please

[lra]

Can someone please point me in the right direction with this. On other sites they have said the offer should include simple interest????

[dx100uk]

please post that sheet up.

 

 

simple int

if they have calculated the PPI properly in relation to FOS guidelines

will only be paid if after the ppi is removed in a particular month

you have are in credit.

 

 

dx