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    • Thanks for the advice and pointers much appreciated, letter will come from daughter in law but I would type it her up and print it off for her.   The officer told her he could not guarantee it would not happen again like you say I am astounded the Police have time to be stopping a driver who has proved 5 times now that she is legal to be on the road none of it makes sense.
    • We requested evidence for the PCNs and have received this. Where do we go from here?  BW_Legal_Evidence-compressed.pdf
    • Definitely move the cars ASAP, the bailiff will come back and clamp them, don't wait bailiffs can now call on Sundays and most Bank Holidays.
    • What should you do? Totally ignore them. Next time you are there take photographs of Athena's notice at the entrance to the car park plus the position of the others as well as any difference between the T&Cs of their signs. Also a picture of their payment meter as the T&Cs there are often different from the signs. Check with the local council to see if Athena have permission to erect signs and ANPR cameras under the Town & Country [Advertisements] Regulations -they are often online these days. Also ignore any future correspondence from them and their unregulated debt collectors and do not be afraid of ever escalating fees most of which have no basis in Law. The time to come back to us is if they send you a letter of claim where a snotty letter to them may discourage them.Also read other threads on here to get an idea of the numties you are dealing with. One amoeba has more intelligence than all the car parking rogues together. It is still worthwhile contacting Lidl even without your receipt and especially where you have a record of regular visits to them.
    • First, I'm a bit surprised that your local police force has the manpower and time to waste chasing up a complaint from a member of the public that a motability car's paperwork may not be in order, bearing in mind that most forces can't be bothered to follow up reported burglaries, if stories in the popular press are to be believed.  But if that's what the police officer has told you, that's what he's told you.   If you want to follow up his suggestion to make a complaint, check your local force's website for how to do so.  Or (bearing in mind the history of problems that you've had before) write straight to the Chief Constable (website again).   Simply say you want to make a complaint about the number of times your daughter (or whoever) has been stopped by the police for no apparent reason.  Give a list of when and where this has happened and what the outcome was (presumably that the police took no further action).  I would also add that in the latest incident the police officer actually suggested making a complaint about the number of stops.  Not only do you (or your daughter or son or whoever it is) find this police action to be extremely distressing, but you also consider it a waste of scarce police resources.   Ask for an explanation as to why this keeps happening and ask for an assurance that the police will stop doing it.   You may also want to add (see what others advise about this) that the police officer in the latest incident also told you that they had received a call from someone saying that the car's paper work "might not be in order".  Say that you are concerned that whoever made this false allegation is wasting police time.  (You may want to think carefully about this as it may not improve your daughter's relationship with her neighbour!  If the allegation came from the neighbour.)   Those are my initial thoughts but it's a bit late to be thinking clearly.  See what others suggest rather than just relying on my suggestions.   [The letter really needs to come from your daughter (or whichever family member keeps being stopped) and not you, unless you can make it perfectly clear in the letter who it is that is being stopped etc. and that you are complaining on their behalf.  Is that clear?]
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I have a couple of questions re maths and redress.

 

I consider myself quite good with figures and spreadsheets and have been working on one in readiness for my ongoing battle with HSBC.

 

I have taken every single PPI payment made and applied a formula calculating the compound interest on a month by month basis since the card started.

This has given me a figure of 22k to date for just the original PPI payments plus all the compounded interest.

 

Now I have also started to look at reconstructing the whole account without the above on it.

 

 

There is a gap from Jan 01 to Feb 05 and I will work out what to do about this in the morning.

 

My question is.

 

..I have the figure for all PPI and compound interest, this should be refunded

 

what about the differance in my card balance as it stands today

and the one I have calculated without the PPI payments and interest,

which at the moment is showing as minus 1939 but I still have some work to do yet?

 

Should I be refunded the PPI payments, compound interest and diff in card bal plus 8% on any credit balances

 

or because I have calculated the total PPI and compound interest owed

should I be paid that figure plus 8% on credit balances.

 

I have been trying to get my head round it but think the spreadsheet today has frazzled my brain

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

 

 

fos running is the one.

 

 

as this is a credit card

 

you would only receive any 8% if, after the PPIlink3.gif is removed

the card at anytime entered a state of credit for that month

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes I understand that but say for example it was in credit for two months back in jan and Feb 2000...would I get 8% intrest to date on the amount for Jan ie £39.95 x 8% until 2014 and £45.00 x 8% until 2014. That is confusing me

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you wont be able to use that ss without all the statements

 

I think what is depressing your redress, is the period from 05 to07

 

2 years when the reconstructed ac would have been in credit

 

I have also in the last few days received a letter from our friend vicky,

 

now confirming that they hold electronic credit card records back to 1997,

 

well theres a suprise:madgrin:


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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wow our mate saying they have records back to 1997..like you say what a suprise. I really need to get hold of those records and then I can at least calculate an accurate ss. I will wait to see what she says in response to my last letter.

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yes keep at it Allison, you need, and they do provide that breakdown when pushed hard enough


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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This is the spreadsheet where I have calculated the total ppi payments and compound interest. I have used the interest rates charged from the SAR info and actual statements and changed them every month. For the missing period I ahve used an average (the lower one ).

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Yes I understand that but say for example it was in credit for two months back in jan and Feb 2000...would I get 8% intrest to date on the amount for Jan ie £39.95 x 8% until 2014 and £45.00 x 8% until 2014. That is confusing me

 

 

 

it would be x 8% simple interest

you'd have to use the statint sheet


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Not sure what you mean DX..

 

 

this spreadsheet just calculates the ppi payments made and then the compounded interest charged every month to date.

 

For example the very first payment made in Dec 98 of 72p would of been charged interest the following month

and so would then of been 73p (interest of 1p plus the original payment)..

 

 

this then carries on for every following month to date (every month the bal brought forward plus interest charged on that b/f bal)

so the end figure of £9.88 is the total ppi payment plus the compound interest that has been charged

and so by my reckoning this is what they should pay PLUS any 8% interest once the account has been reconstructed without the PPI

and compound interest for any periods the account would of been in credit.

 

I have had to use the avergae from all payments to fill in the missing period and this is highlighted in yellow.

 

Becasue I don't have these figures for the missing period than I can't use your spreadsheet to reconstruct without ppi.

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I would be using the foscisheet.

 

 

you will only receive 8% stat interest if IN THAT MONTH your card entered a positive balance

 

 

so , from the data on the foscisheet you match that month to the actual card bal of the same month

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Well after waiting

 

 

I rang HSBC last Thursday and emailed asking where the response to my last letter was and then

 

 

sat morning got the attached response which to be honest has me frustrated and confused!

 

Please can the experts take a look at this and help?

 

 

They say they are using other peoples accounts to reconstruct mine which is the first time I have heard of this

and also they miss months during the period that we don't have data for and

I know for a fact that the card has NEVER been zero balance.

 

 

Even when I enter these fictional incorrect figures into my spreadsheet the amount is still wrong.

 

 

They also state that the estimated premiums total £42.19 but the period that has been estimated is Dec 01 to Jan 05 (inclusive)

and even when you add up their figures its more than £42.19.

 

 

Please help as I really feel I need to start getting firm with these now.

 

 

...they have given me the runaround for two years.....

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so how do their calculations of the actual amounts paid compare?

 

have you sent them the details of the 2 years you hold from the account inception?


PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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HI OR yes they have paper statement that cover from Dec 1998 to Nov 01 and then SAR info from Feb 2005. So in total they have a total of 154 months of ACTUAL data and need to estimate 38 months. Even when I enter the ridiculous payments that have estimated into my spreadsheet the compound interest is way too low. I will post it up in a min.............

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Here is my spreadsheet where I have entered the formula at the top that match's the interest rates charged from statements and SAR.

 

 

I have estimated the interest rate in the missing periods at the lower rate from initial months.

 

 

The part in yellow is all the estimates and I have entered HSBC's figures and still have a higher figure.

 

 

With the spreadsheets on here you have to guess an average and so I made my own where I can enter the exact rates etc.

 

I know that in Jun 2003 we remortgaged our house as I was pregnant with our son

and we wanted to consolidate our finances as Paul was doing the markets and not earning a lot and

I knew I was going to be on maternity when our son was born in Oct 2003.

 

 

I'm pretty sure that we would of paid the card off then but we always left a small balance as we wanted to continue building a good credit rating

at the time and thought by leaving a few hundred pounds on it this would help.

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it looks like that as there was so little use either side of the period

 

they have estimated

 

they have based their estimate of use on these figures

 

As they have made clear it is their final response

 

imo, the only way you are going to get an increase

 

is to come up with some statement proof from the missing 38 months.

 

without this I have a gut feeling that the fos will be of no help.

 

even if you can only find a few of the missing statements

 

to disprove their calculations

 

Sorry I cant be more positive, but I do not see any other way forward


PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I know I don't have any more statements, the ones I found had been put in the attic and so were not shreaded when I had a clear out a few years ago. At the end of the day the compound interest is still wrong even when I put their figures in.

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without all the statements ,I cannot see how you can challenge this

 

as during the period 01/06 the account with the ppi removed

 

will have gone into credit

 

and this will depress your compound interest


PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I can see what your saying but once again it is so wrong of HSBC!

The account has never been in credit as we always left a small balance

even when we paid most of it off as we thought that we would be building a good credit rating by leaving something on it.

 

 

I was really hoping that this one would give me enough to pay of the two cards with hsbc

and then offer full and finals to other creditors but this amount will only just about pay off the two hsbc ones.

 

 

This is a letter I have drafted..what do you think

 

Dear Ms Stante

I am writing once again in a final attempt to request that you correctly calculate the redress of the mis sold PPI policy as per reference above.

 

I am in receipt of your letter dated 17th Nov 2014 and once again I cannot accept your offer of redress

as I believe there are fundamental flaws in your calculations.

 

 

I will try to explain why and would respectfully request that you respond to each point below.

 

1) In your letter you state, and I agree that we have paper statements that cover the period Dec 1998 to Nov 2001 (36 months)

and then electronic data for the period Feb 2005 to date (118 months).

This leaves the period Dec 2001 to Jan 2005 (38 months) with no records.

 

 

You also state in your letter that you use factual data in order to build an estimated behaviour of the premiums paid

for this missing period but then go on o use data from other HSBC customers

rather than the substantial amount of data you do have on my own account.

 

As we have a considerable amount of data available, a total of 154 months)

I think it would be fairer and more realistic to use an average of this data to estimate the PPI premiums paid for the missing 38 months.

 

2) In the figures that you have sent there are many months missing

and I know for a fact that this card has never had a credit balance

and so I cannot understand how you have estimated that this must have been the case.

 

3) I have checked the information sent to me from HSBC in my SAR request

and can confirm that we re-mortgaged our house in June 2003 and

I specifically remember this was to consolidate some debts that we had at the time including this credit card

and enable us to pay a lower monthly outgoing.

 

 

We were having our first child at the time and I was self employed and not earning very much,

my wife was working for Local Government and so we went to the bank in order to consolidate our finances

in preparation for the birth of our first child in Oct 2003 and to help with monthly outgoings during my wife’s maternity leave.

 

 

I believe that the balance on the card would of been reduced to around £200 at this time

as we always liked to leave a few hundred pounds on the card as we wanted to maintain a good credit rating

a the time and thought that this would help that.

 

4) In your figures of redress you say that £3772.48 is the amount of Manually entered premiums

(paper and electronic records) and that £42.19 are estimated premiums

but when I check the list that you sent of premiums paid this does not appear to be correct.

 

 

Please can you clarify which payments are estimated and which are taken from your records.

 

5) I also asked in my letter dated 30th Oct 2014 that you send me a breakdown of the PPI payments

and the redress figure for each payment but you have only sent me the payments.

 

 

This credit is still running to date and so interest is still being charged on the payments made in the past

as they make up the balance brought forward each month.

 

 

I believe that in your calculation you are only paying the associated interest charged up to when the PPI was cancelled in Dec 2012

where in fact interests has been charged every month since that date and is continuing to do so.

 

6) I also enclose a disc with a copy of my own detailed spreadsheet calculations using the actual information available

and estimating the period Dec 2001 to Jan 2005 using an average of the other 118 months.

 

 

I have been through all my records and entered a formulae at the top that uses all the “actual” interest rates charged.

 

 

I f you could take a look at this you will clearly see that your redress figure is way out and incorrect.

 

This matter really has been ongoing for some considerable time and I have had to fight all the way in order for HSBC

to firstly admit that the PPI was mis sold and now once again HSBC are delaying matters by incorrectly calculating the redress.

 

 

We have been loyal customers since 1994 and would really appreciate some honest and correct calculations to be made.

If I do not hear from you by 14th Dec 2014 I will have no choice but to refer the matter back to the Financial Services Ombudsman.

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just be aware

you might well have left a 'debt' on the card always

 

 

but it might well be the redress to that date put the card in credit?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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yes but even if when they reconstruct the account and it may show a credit balance in hindsight in reality it was never in credit and so the interest was charged....surely they should pay that back?

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that's the way the fos view things sadly and is correct.

 

 

if the PPI refund on a revolving credit account to xx date creates a credit in any one month

you only get 8% stat int for that month.

 

 

that's what the fosrunning sheet does

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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that's the way the fos view things sadly and is correct.

 

 

if the PPI refund on a revolving credit account to xx date creates a credit in any one month

you only get 8% stat int for that month.

 

 

that's what the fosrunning sheet does

 

 

dx

 

thats the problem pre 2006 ac would have been in credit

 

most of the time with ppi refunded


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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unless you can find anymore statements, sadly I would accept

 

but on the bright side it is 12k

 

where as a few months ago it could have been nil:-)


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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