PPI Claim with limited information

[StMartinsTerr]

After a couple of successes where I had irrefutable paperwork (Loan docs etc), I'm now turning to the harder cases. NB More details of wins to follow when other issues outstanding with that provider resolved.

 

This is on a card account, commenced in say 1995 (details obscured for obvious reasons).

 

Have a run of say 12 statements in 1996 showing PPI each month. Balance was never cleared - modest / minimum payments made. Core balance c £500 say.

 

Have a further run of statements from 2000 (similar number). However, by then the balance has more than trebled and core of £1,600, PPI shown each time until it appears account defaulted late 2000 when PPI stops but interest continues and don't use card notes appear on statement. At this time still making modest / minimum payments.

 

Account was settled in full with the aid of a consol loan from another provider in 2001 - and can prove final amount paid.

 

SAR has revealed virtually nothing bar account opening date, total number and value of purchases, total of interest charged etc.

 

My question is how to present a claim, what I can claim.

 

An account reconstruction is out - and I'm also uncertain of total PPI charges levied due to lack of info.

 

I'm happy that mis-selling reasons are valid. It is solely the mechanics I'm interested in.

 

Thanks

[dx100uk]

from the monthly PPI data you DO know

 

you are quite within your rights to use an avg of those for the months you do not know.

 

you can claim from the opening of the account until the day the interest stopped or the account was closed

 

use THEIR avg int rate[apr]. set the claim to date, as the day the account closed

 

take that total figure from the FOSCISHEET

 

and put it in the staint sheet from the day the account was settle till today.

 

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

[StMartinsTerr]

Thanks DX.

 

So, I have 12 @ avarege say £5 pm from 1996, and 10 @ avge £15 from 2000 (last 2 statements are ppost assumed default when no PPI charged, but interest carried on etc etc). So, I can show clearly a total of £210 PPI paid in those 22 months. Are you saying that I take the average of £9.55 (being £210/22) and apply that to each month?

[dx100uk]

se the avg of known payments from the statements showing PPI figure you paid.

[StMartinsTerr]

Sorry DX, not sure if that's a "yes" or not.

 

Let me try again. I have 12 statements from 1996 with total PPI on them of £60, hence my average of £5.

 

I have 10 from 2000 with PPI on, and the PPI on those 10 totals £150, hence the earlier £15 average..

 

I then have 2 more end of 2000 when no PPI was applied at all, as account was defaulted or similar. Interest continued to be applied until close in mid 2001.

 

In total therefore, where PPI was charged, the total I can evidence is £210 and that is over a total of 22 statements.

 

I do have a further 2 statements with no PPI on them (just for completeness, no it wasn't cancelled by me at that point).

 

So, let us say for simplicity that card taken out in 1 Jan 1995, and closed (paid off entirely) 30 June 2001.

 

On those fugures above, (obviously suitable disgiused) what do I show on the FOCintsheet please which asks for each monthly payment?

 

Thanks

[dx100uk]

where you know what you paid for a month use that

 

where you don't

yes use your avg you have worked out

 

that is acceptable under FOS guidelines.

 

dx

[StMartinsTerr]

Much appreciated.

 

Now for a FOS sheet and "signed for" postage tomorrow.

 

Will keep you posted.