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    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
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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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