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    • So with a long working history, which she can evidence, it should not be a problem. Still have to go though HRT process for any benefit application, if they have been out of the UK for more than 6 weeks. It won't be a smooth process though. Suggest they try to get advice via Embassy, before they start any journey.
    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
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rs500man

RBS Offer on ppi mint card - is this correct ?

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sorry still new to this ppi stuff? is this offer right? i have scanned in the details as pdf.

rbsoffer.pdf

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got as much idea as you

if we've got no statements to look at.

 

 

dx


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

 

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Asking them for calcs in am. Else sar them as well. Had to mess about enough to get to this stage with rbs. Thanks as always

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should have gotten as sar running before you even asked them to refund

as without statements

you wont have a clue..


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

 

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You will need all the statements to see hiw much in ppi you have paid, then you will know if their calc is correct or not.

 

Do you have all the statements?

 

If not, SAR them now, dont forget £10 postal order


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GEMHL Settled

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Yeah in hindsight I should have sar'd all of them first. Live and learn. Will be sar all of them now. Not signed any acceptance letters etc. Barclsys just paid me very quick.

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Not like barclays that, usually the slowest to pay up


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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They paid within 9 days of me logging complaint. I was very surprised. Still sar'd them to make sure they done maths

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Good stuff, always best to double check everything


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Yeah should be here by 26sep if barclays still on form.

 

Sent rbs one off today as well .

 

Will be sending mbna theirs tomorrow as well.

 

And the one that's really been bad to me even tho I been with them 30 odd years HSBC.

 

Will look at past loan ppi they repaid few years ago and current claims for credit card ppi and packaged account.

 

Sar'd them as well. Will be making a donation soon as possible. Wish I discovered cag before I made the claims.

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hi guys, finally got the statements from rbs whats the next steps in working out if i have ben paid the correct amount?

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

 

 

ideally you should be using the fosrunning sheet

 

 

but if you find that too difficult

use the FOSCISHEET.

 

 

dx


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

 

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thanks for the fast reply, let me see if i can work this out. just about to start entering the data

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right according to calc, 62.16 is the award calculation. i only had this card for 10 months. now .

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so how did you get that which sheet and what was your claim to date

and did you put their interest rate in the cell d15 depending upon the sheet used.


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

 

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how is the 8% gross intrest worked out from the award ?.

 

 

if you look at the scanned offer letter,

the calc seems correct but how should the intrest be worked out.

 

£61.60 was the cost of the PPi and according to spreadsheet £0.41p was added as 8% simple intrest. bringing total award to£62.16.

 

FosRunning sheet

intrest rate on card was 0%

nowhere on date i can see where to enter claim to date

 

i have attached a gif

Capture.jpg

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ah your issue is there is no interest rate - as it was free?

even to today or when it closed?

so the card never had any interest charged?

 

 

are the figures in montly and card balance correct each month too

 

 

dx


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

 

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there was no intrest ever charged on the account

all the figs are correct aswell in monthly and card balance and correespond with statements.

 

if you look at the offer letter, the TOTAL REFUND DUE matches with the calcs i worked out at £61.60

 

what i am asking is the 8% simple intrest awarded correct as per the offer letter (£58.63 gross) ?

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ok the fact of their being no interest makes things different.

 

 

so to check the 8% is correct

 

 

use the statint sheet

 

 

enter the £61.60 as a whole figure into it at the date after the last time it was charged.

so that's 27/9/2004 PPI redress £61.60

 

 

that will calc the statutory 8% interest you are due


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

 

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i get the following error

 

intCapture.JPG

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date format is wrong

 

 

make sure you PC is set to UK

 

 

and make sure MS office language is UK too

you are set to US


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

 

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Looks like RBS have been honest. the calc works out bang on/

 

got me mbna sar aswell, will report that on the mbna thread i have started. excel was set to usa.

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hey that's good

sorry I made you hoop jump

but cag is all about what people read on threads

and that explains it nicely

 

 

dx


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

 

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no its good to be made to do it yourself , i will check others now. it is how i make people learn myself :)

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