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    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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RBS Mastercard / MINT C/Card ppi question


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Wrong sheet Baz that's for single premium (eg on a loan) you want running credit at rate you were charged upto date of closure 16.6%

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Wrong sheet Baz that's for single premium (eg on a loan) you want running credit at rate you were charged upto date of closure 16.6%

 

Thanks theoldrouge but I do not have all the statements / approx 6 months missing.

 

Is there any other spreadsheet that I can use ?

 

As previously mentioned a bit confused about who has agreed complaint figures. If FOS would it be all premiums plus 8% statutory interest or if RBS would it be premium plus associated interest ?

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you would only get 8% if the card balance went into credit

rst of the time its the card rate .

 

 

as I'm sure we've discussed before......

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you would only get 8% if the card balance went into credit

rst of the time its the card rate .

 

 

as I'm sure we've discussed before......

 

Thanks dx and yes we probably have but if complaint was up-held by FOS then it would be return of all premiums plus 8% interest per annum to date and no associated / compound interest ?

 

The reason that I ask is that not only do I have ongoing issues with breakdown of figures but complaint was originally rejected by RBS then up-held by FOS.

 

Now i didnt have full statements so I couldn't complete the FOS running spreadsheet so therefore I used the one previously attached in which differs to what is being offered.

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the only real true one is the fosrunning

but you need all the statements

 

 

fos ci will give you a guide figure

 

 

so the foscisheet is your best guess

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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16.6 on here

 

FosCISheet v101.xls

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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surely it runs till they stopped the int on the card

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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surely it runs till they stopped the int on the card

 

thanks dx but I stopped paying on or around September 2004.

 

Interest was eventually frozen through agreement with my Debt Management at the time and passed to DCA.

 

Statements ceased and received nothing from DCA regarding payments made.

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16.6 on here

 

FosCISheet v101.xls

 

Have now entered details and figure is near enough correct give or take a few quid.

 

I have used end date when I last made PPI payment or should it be something else. I also slightly confused as offer details state that amount is refund of premiums plus associated interest to date ?

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you need to identify when you were last charged interest

that will be the end date for the foscishet

IMHO you are then entitled to 8% stat int on that figure till they settle.

as you have been deprived of investing said money

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
you need to identify when you were last charged interest

that will be the end date for the foscishet

IMHO you are then entitled to 8% stat int on that figure till they settle.

as you have been deprived of investing said money

 

 

dx

 

Thanks again dx.

 

Well this is what I have been disputing with the bank and the FOS adjudicator.

 

They advised that there was no 8% simple interest applied due to the account never being in credit.

 

Sorry to ask more questions or sound stupid but are you saying that they should have still applied 8% statutory interest from last interest payment date till they settled ?

 

They have already added associated interest in which I pressume is the same as compound interest.

 

Is there a difference between 8% statutory and 8% simple ?

 

Therefore would the following FOS Redress apply ?

 

consumers who consistently make the minimum payment each month

 

Another example where a consumer might have paid a different amount to their credit card account is where the consumer consistently made the minimum contractual credit card payment each month. In that case, it seems likely that instead of paying the same amount to their credit card account without PPI, the consumer might have paid the (slightly smaller) minimum payment rather than the amount they actually paid to their credit card with PPI.

 

Based on examples of good practice we have seen, the example below shows how a business might set out how it has calculated compensation for a mis-sold regular-premium PPI policy added to a consumer’s credit card where the consumer consistently paid the minimum contractual payment:

 

what we know

 

you took out your credit card in January 2003 and took out the PPI policy at the same time;

your credit card balance today is £5,832.91; and

you have consistently paid the minimum contractual payment to your credit card and no extra payments.

what we have assumed

 

credit card interest at the rate charged on normal purchases applied to the PPI premiums added to your account; and

you would have paid the (slightly smaller) minimum contractual payment to your credit card without PPI.

If you do not think that these assumptions should be used in your circumstances, please let us know why not.

 

what we have calculated

 

if you had instead taken out your credit card without the PPI policy, your credit card balance today would be £2,642.94. We know this because we’ve looked at your credit card account from the day it started until now and worked out what the balance would have been without the cost of PPI and any interest and charges you paid as a result of PPI being included on your account; and

the payments you have paid have been slightly higher than the payments we have assumed in our calculation. The difference between the payments you have paid and the payments we have assumed you would have paid to your account without PPI is £518.73.

 

I only made minimum monthly payments.

 

PPI policy was cancelled around September 2004.

 

Complaint up-held by FOS December 2014.

 

Thanks

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Thanks again dx.

 

Well this is what I have been disputing with the bank and the FOS adjudicator.

 

They advised that there was no 8% simple interest applied due to the account never being in credit.

 

Sorry to ask more questions or sound stupid but are you saying that they should have still applied 8% statutory interest from last interest payment date till they settled ?

 

They have already added associated interest in which I pressume is the same as compound interest.- that's their card int at their rate compounded.

Is there a difference between 8% statutory and 8% simple ?- same thing

Therefore would the following FOS Redress apply ?

 

consumers who consistently make the minimum payment each month

 

Another example where a consumer might have paid a different amount to their credit card account is where the consumer consistently made the minimum contractual credit card payment each month. In that case, it seems likely that instead of paying the same amount to their credit card account without PPI, the consumer might have paid the (slightly smaller) minimum payment rather than the amount they actually paid to their credit card with PPI.

 

Based on examples of good practice we have seen, the example below shows how a business might set out how it has calculated compensation for a mis-sold regular-premium PPI policy added to a consumer’s credit card where the consumer consistently paid the minimum contractual payment:

 

what we know

 

you took out your credit card in January 2003 and took out the PPI policy at the same time;

your credit card balance today is £5,832.91; and

you have consistently paid the minimum contractual payment to your credit card and no extra payments.

what we have assumed

 

credit card interest at the rate charged on normal purchases applied to the PPI premiums added to your account; and

you would have paid the (slightly smaller) minimum contractual payment to your credit card without PPI.

If you do not think that these assumptions should be used in your circumstances, please let us know why not.

 

what we have calculated

 

if you had instead taken out your credit card without the PPI policy, your credit card balance today would be £2,642.94. We know this because we’ve looked at your credit card account from the day it started until now and worked out what the balance would have been without the cost of PPI and any interest and charges you paid as a result of PPI being included on your account; and

the payments you have paid have been slightly higher than the payments we have assumed in our calculation. The difference between the payments you have paid and the payments we have assumed you would have paid to your account without PPI is £518.73.

 

I only made minimum monthly payments.

 

PPI policy was cancelled around September 2004.

 

Complaint up-held by FOS December 2014.

 

Thanks

 

 

we've travelled this route several times before......

 

 

as far as I am aware you can only use the FOSCISHEET up until the point they stopped charging their card interest.

the fact that you cancelled the PPI makes no odds

 

 

the ppi that they charged you will still make part of your outstanding monthly balance until/unless the card is closed.

 

 

so thus...until they stopped charging you interest at their rate, you claim it

hence the need for a claim to date on the FOSCISHEET.

 

 

SO WHEN WAS THIS... is the card still active? or when was the card CLOSED. or they stopped interest on it???

 

 

......................

 

 

IF there is a confirmed date when they stopped int, then you are entitled to simple int @ 8% from the day after till they settle

 

 

statint sheet

 

 

total from FOSCI

entered as one figure

on the day after they stopped int

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
we've travelled this route several times before......

 

 

as far as I am aware you can only use the FOSCISHEET up until the point they stopped charging their card interest.

the fact that you cancelled the PPI makes no odds

 

 

the ppi that they charged you will still make part of your outstanding monthly balance until/unless the card is closed.

 

 

so thus...until they stopped charging you interest at their rate, you claim it

hence the need for a claim to date on the FOSCISHEET.

 

 

SO WHEN WAS THIS... is the card still active? or when was the card CLOSED. or they stopped interest on it???

 

 

......................

 

 

IF there is a confirmed date when they stopped int, then you are entitled to simple int @ 8% from the day after till they settle

 

 

statint sheet

 

 

total from FOSCI

entered as one figure

on the day after they stopped int

 

Thanks again dx and apologies if it's something we have touched on before.

 

I have quite a few complaints going on at the moment and also variations of offer presentation figures, hence the confusion. I just need some clarity before accepting any offers.

 

I have completed FOSCISHEET and used end date 6/10/04 when last interest payment made.

 

Last PPI payment made Sept 2004.

 

The card is still active as such but interest has been frozen and I pay a monthly agreed repayment plan direct to bank.

 

So now I do a STATINTSHEET with total from above from 6/10/04 to date ?

 

Thanks

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claim to date should be left to auto update

 

 

=()TODAY I think is the formula

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

when they refund the ppi the balance on your ac will still be £2643, it has never been in credit

 

the 8% award would be compensation for loss of use on the monies whilst your ac is in credit with the ppi removed

 

as an example, in simple terms, balance on card at the time of stopped interest £2000, ppi refund £3000, £1000 credit so 8% payable on £1000

 

from then to date paid

 

As your ac was never in credit, no 8% payable, imo their figures are correct

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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when they refund the ppi the balance on your ac will still be £2643, it has never been in credit

 

the 8% award would be compensation for loss of use on the monies whilst your ac is in credit with the ppi removed

 

as an example, in simple terms, balance on card at the time of stopped interest £2000, ppi refund £3000, £1000 credit so 8% payable on £1000

 

from then to date paid

 

As your ac was never in credit, no 8% payable, imo their figures are correct

 

Thanks dx and theoldrouge.

 

Ok so only refund of premiums plus CI up to and including September 2004 (as per RBS figures) when account defaulted ?

And no extra added interest from above said date until December 2014 when the bank finally settled ?

 

So if I had paid off and closed the account in September 2004, would I receive CI and 8% simple for up to and including December 2014 ?

 

Sorry again for sounding stupid but I am trying to get my head round how RBS presents their offers as they seem to differ with their presentations.

 

I have also found out today that it is 15% interest payable for each year up to April 1993 where the CC was in credit :???:

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Thanks dx and theoldrouge.

 

Ok so only refund of premiums plus CI up to and including September 2004 (as per RBS figures) when account defaulted ? And no extra added interest from above said date until December 2014 when the bank finally settled ?

 

So if I had paid off and closed the account in September 2004, would I receive CI and 8% simple for up to and including December 2014 ?

 

:

YES and YES

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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YES and YES

 

Thanks again for your time.

 

I did read the FOS Website in respect of redress but I wasn't sure about a couple of things.

 

I have had numerous complaints presentations and some seem to differ hence the confusion when trying to check the figures. Why oh why RBS cannot just at least provide a breakdown in the first instance I never know.

 

It has taken me around 6-8 months to get details out of them as previously fobbed off until I involved the adjudicator.

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every bank has different ways of calculating redress but I think yours is a fair and accurate offer

 

as you say so much simpler if they supplied more information on request

 

Hope you dont have any with Capital One, their new calculator is impossible to fathom:-)

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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