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Help required in reclaiming insurance from BAYV

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Hi

Could anyone help me I am in the process of trying to re claim insurances from bayv but can't find the spreadsheets, also it won't let me create my own thread, sorry I am new to this.

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Hi

Could anyone help me I am in the process of trying to re claim insurances from bayv but can't find the spreadsheets, also it won't let me create my own thread, sorry I am new to this.

 

 

Here you go....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011(1-Viewing)-nbsp

 

I think the one you want is for credit card charges.


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you,

 

 

any idea how I start a thread as

 

 

I sent them a SAR and I do not understand my agreements one bit,

 

 

I got 2 laptops at different times, then I learnt my lesson.

 

 

I pay weekly by direct debit,

 

 

I only have 371 or something left to pay but my total on the agreements for everything is £1,772.16 over 156 weeks

 

 

however on the customer overview form it says total pmnt which I am assuming means total payments

not sure if that is to date or what but it's amount is £2,532.41,

 

 

also the agreements they have sent me have no signatures on what so ever.

 

 

I have never been great with maths infact I will admit I am completly rubbish at it but none of this adds up.

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so from the agreement how much each week is for the insurances should be listed.

 

 

dx


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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

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Well this is where I get confused even more as even though I sent them a SAR

they have not sent me all of my statements only a breif summery for the payments this year.

 

 

There is 3 agreements not sure why one says weekly insurance premium 1.86 per week another says 2.45per week.

then one for a full 220.00 plus interest of 162.00 for EPS this is the one at 2.45 per week

then on the 3rd one all sorted at 1.06 per week total price 220 + 131 interest

but then at the bottom it says total (EPS) Insurance Premium payable is £165.36

 

 

I can't make head nor tail of any of them

 

 

the interest rate on one is 27.00% per annum fixed and the APR is 55.40% on another it is 24.58% per annum fixed and 50.14 APR.

 

 

I am confused as hell

 

 

I have no idea what I am paying where to be honest

 

 

I can't understand any of these agreements.

 

 

oh my god I think I have just realised I am super thick

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1.86PCW on one at ?? int rate

2.45PCW on another at ?? int rate

3.1.06PCW on 3rd at ??int rate

 

 

you need the weekly date you paid them.

 

 

start and en date for each agreement

shoud be easy


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

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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

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I only have 2 items though

 

Why would I be paying 3 lots of insurance it does not make sense, I did get a letter of them late last year saying my payments have been lowered because something had finished, they did not say what had finished and for some reason they have not included any statements before the lower payments in the SAR just payments that have been made since my payments were lowered.

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then ask them for all the statements

 

 

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!

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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

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I have but surely they should of sent them with the SAR. I have attempted to fill in this spreadsheet I think I have done it all wrong could anyone have a look and see for me pleas? I think I have worked out what I am paying monthly on insurance oh well I can't post it as I don't have enough posts

 

 

hope this works

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COMPOUND INTEREST CALCULATORPERSONAL DETAILSCLAIM CALCULATIONClaimant Name:Total of Charges£382.20Lender Name:Buy As You ViewCompound Interest£752.08Account Number:Claim From:14/07/2012Claim To:18/03/2015Total£1,134.28Interest Rate (APR):50.14%Date of

ChargeDescriptionAmount of

ChargeNumber of

Days ElapsedCompound

Interest14/07/201217 Inch Laptop£382.20977£752.0815 Inch Laptop

I have took my personal details out but does this look about right, I have worked out that the 3rd agreement is for the EPS only therefore have just gone of that one for the APR

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Caroline, it sounds to me as though they haven't fulfilled their obligation to provide you with a full payment history within your SAR. Just ask them to provide ALL statements.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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you can attach your spreadsheet via the go advanced button bottom right of these msg boxes

then select manage attachment

 

 

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

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Well I got a response from them basically a fob off saying that because I did not have home contents insurance they require me to have there EPS insurance and as far as they are concerned it is in the terms and conditions therefore I have no claim.

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'require' maybe but it is NOT compulsory.

 

 

matters not what is written in their T&C's

 

 

there is NO legal requirement to have any insurance on HP goods.

 

 

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

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I have looked over the terms and conditions and

I can't see anywhere that states it is even required,

 

 

I have emailed them this morning to let them know that I now plan on putting together a complaint to the FOS as I still believe it was missold,

 

 

the best thing is they keep ringing me and asking if I would like to take out more products,

 

 

I only work part time but I would rather go hungry for an entire month and buy what I need than to line their pockets with another penny of my hard earned cash. I certainly learnt my lesson.

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I received my full statements from bayv, and have noticed something funny about it,

 

 

I moved to direct debit in early January 2013 after making a complaint against a rep,

now the direct debit used to be around 17 or 18 pounds per week.

 

 

Late last year 2014 I received a letter saying an item had been settled and my payments were being reduced to just under 14 pounds.

However according to the statements I have been paying just under 14 pounds since I started direct debit.

 

 

I emailed and got this response back

 

Dear Miss........

The amount stated within the statement is not inclusive of the EPS cover.

Once those payments are added in the weekly payment does relate to what you were paying.

 

All of the account numbers are also listed within the letter that was sent out that you have received.

 

Are you able to confirm what items are missing from the Subject Access Request that you have placed?

Apart from the email that you have previously noted?

 

Kind Regards,

 

Rachel

 

Rachel Thomas

Customer Experience Manager

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Ok can anyone help me here,

 

 

Elaine mockler stated in an earlier email to myself that I was not paying for optional all sorted insurance,

 

 

now today Rachel Thomas has stated that I am paying this and it is optional and I can cancel anytime, I shall attach the emails.

 

 

Where do I now stand with this as I did not even know I had this added to my account?

 

 

I did not know i was paying for it,

 

 

I certainly did not request it or ask for it?

 

 

is this not fraud?

 

 

The HP agreements I was sent in the SAR do not have any signatures on at all.

 

 

below are the emails sent between myself and Rachel today.

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Is an email not classed as in writing,

and why are you ignoring the fact that this has been put on my accounts in the first place without my knowledge is this not fraud???

 

 

I did not request it neither did I want it,

 

 

I asked you is it common practice for your staff to just add items to a customer’s account,

 

 

I am telling you now in writing in this email that I DO NOT want this insurance I not only wish to cancel it

but I wish for all payments to be refunded with interest as it was missold

in fact it was not even sold it was just added without permission pretty sure this is unlawful.

 

 

The agreements you have sent me do not even have any signatures on.

 

 

I have attached a spread sheet to the previous email with my claim.

Which as of Friday 27th of will be being sent to the FSCS and the FOS with a complaint.

 

The fact your company has added items to my account without my permission in the first place is a complaint

I shall be taking to bbc Watch dog, and my local trading standards.

 

Regards

 

Dear Miss ....

 

All sorted is optional cover as we have stated, as per the Terms and Conditions of the Agreement

which you have been provided with True Copies the All Sorted is stated on there, and cancellation of this is requested in writing.

 

Kind Regards,

 

Rachel

 

Rachel Thomas

Customer Experience Manager

 

From: ......

Sent: 24 March 2015 11:30

To: customer.services

Subject: RE: cis sheet.xls

Importance: High

 

after going through all of the statements the summary of payments according to your account codes and the statements you have sent me

I have paid in total £451.48 towards all sorted cover this is according to the details you sent me in the summary of all accounts,

 

 

this is not EPS it is all sorted the insurance you state in your letter to me dated 19th March 2015 is optional.

 

 

Therefore with this I am attaching the new spread sheet I plan on including in my complaints to the FOS

and the FSCS along with copies of all letters you have sent me especially the ones stating the amounts

I have paid to account numbers A446132 and A381864 which and I quote you

 

A381864 – All Sorted cover for the Samsung 17” laptop. Account opened in June 2011 and settled in full in August 2014

A446132 – All Sorted cover for the Toshiba 15” laptop. Account opened in July 2012 and has a current balance of £63.34.

 

Are both in fact all sorted cover not EPS cover a separate complaint will be made for that one.

 

The letter you sent me on the 19th March states as follows:

 

All Sorted Cover

 

A warranty known as ‘All Sorted’ can be purchased by customers if they so choose. (which I did not)

 

 

A leaflet and dedicated website is available for more details on this and a leaflet has been attached for yours attention.

 

 

In summary, All Sorted gives you unlimited repairs, loan products (subject to availability),

no call out charges as well as a number of other benefits.

 

 

The payments are spread over the term to correspond with the agreement for minimal payments. All sorted is optional

 

Again I shall point out that I did not request this, I do not want it, never asked for it neither do I need it!

 

From: customer.services [mailto:customer.services@bayv.co.uk]

Sent: 24 March 2015 09:25

To: .......

Subject: RE: cis sheet.xls

 

Dear Miss .....

Did you receive a reply from the emails that you sent to us?

 

Kind Regards,

 

Rachel

 

Rachel Thomas

Customer Experience Manager

 

From: ......

Sent: 24 March 2015 09:23

To: customer.services

Subject: RE: cis sheet.xls

 

Just the emails now.

 

From: customer.services [mailto:customer.services@bayv.co.uk]

Sent: 24 March 2015 09:21

To: .....(

Subject: RE: cis sheet.xls

 

Dear Miss ...

The amount stated within the statement is not inclusive of the EPS cover.

Once those payments are added in the weekly payment does relate to what you were paying.

 

All of the account numbers are also listed within the letter that was sent out that you have received.

 

Are you able to confirm what items are missing from the Subject Access Request that you have placed? Apart from the email that you have previously noted?

 

Kind Regards,

 

Rachel

 

Rachel Thomas

Customer Experience Manager

 

From: .....

Sent: 24 March 2015 09:14

To: customer.services

Subject: RE: cis sheet.xls

 

I do apologise it is a full statement, although there is still items missing from the SAR.

 

 

But I have also noticed that according to this statement I have been paying 13.81 weekly from 2013 according to this.

 

 

I shall be now requesting my bank statements from my bank as up until Late 2014 I was paying almost £17 per week.

Something does not add up here.

 

From: customer.services [mailto:customer.services@bayv.co.uk]

Sent: 24 March 2015 08:47

To: .....

Subject: RE: cis sheet.xls

 

Dear Miss .....

 

The statement that you have received lists all payments made on your account since it started in June 2011. The account numbers are as follows:

 

DA92195 – Samsung 17” laptop, account opened June 2011 and closed in July 2012 and refinanced with your Toshiba 15” laptop.

PA92195 – EPS cover for the Samsung 17” laptop. Account opened in June 2011 and closed in December 2012

A381864 – All Sorted cover for the Samsung 17” laptop. Account opened in June 2011 and settled in full in August 2014

 

DB76269 – Toshiba 15” laptop. Account refinanced with the Samsung 17” laptop and opened in July 2012 and currently has a balance of £294.84.

PB76269 – EPS cover for the Toshiba 15” laptop, Account opened in July 2012 but closed in December 2012

A446132 – All Sorted cover for the Toshiba 15” laptop. Account opened in July 2012 and has a current balance of £63.34.

 

You state in your previous email that you made a complaint via email in January 2013, from what email address did you send the email?

 

Kind Regards,

 

Rachel

 

Rachel Thomas

Customer Experience Manager

 

 

From: ...

Sent: 23 March 2015 12:51

To: CSTeamLeaders; Elaine Mockler; Customer Services Management Team

Subject: RE: cis sheet.xls

Importance: High

 

With reference to the statements I received at the weekend, can someone please explain to me why I have 6 account numbers and only 2 items?

 

The account numbers on the payment summary of all accounts are as follows:

 

DA92195

DB76269

A381864

A446132

PA92195

PB76269

 

What are all of these?

 

Regards

 

Miss

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bayv, perfect homes, they all do the same to everyone.

 

 

they charge it because you and everyone else did not ead the small print

 

 

if it wasn't for these insurances the businesses would have gone bust within a matter of months

 

 

its well known it was part of their business model from day one


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

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I did read the terms and conditions and nowhere does it even mention any of these insurances,

 

 

I scoured my copy over and over wondering if I was just going blind

( I have a toddler that refuses to sleep more than 2hours a night, I am not even sure what day it is lol)

 

 

is anybody aware of any successful claims against Bayv,

 

 

I have seen alot of posts about people trying to reclaim but none stating that they got any money back?

 

 

I have given them until friday to respond and then I am lodging my complaint with the FSCS.

 

 

Wondering if I will be just wasting my time?

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While I am on a role does anyone happen to know the contact details for Direct Auto Finance in order to SAR them?

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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

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FSCS? you mean the FOS?

 

 

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

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