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    • Hi,   I searched online for an insurance company using compare the market. Sheila's wheels came out with the best quote so I telephoned them to arrange the purchase. After I had paid out the initial amount of £70 and agreed a direct debit I then cancelled my soon to expire Insurance policy. I immediately received an email from that insurance company informing me I no longer had my no claims bonus due to an accident last June. I telephoned Shelia's Wheels to explain that I had made an error, instead of 3 (which I had put on my original agreement), I had now been informed I had none. They put the policy up by another £300, so I asked to cancel. They now want to charge me 29 pound something for cancelling. I made the mistake with the no claims bonus because compare the market keeps a record of my information & this was what was in that information about me, including the date of my accident.    Do they  have a right to charge me? My insurance would have taken effect on the 15th November 2019.   Thank you.
    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
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rs500man

RBS Offer on ppi mint card - is this correct ?

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got as much idea as you

if we've got no statements to look at.

 

 

dx


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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..


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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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

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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


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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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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.


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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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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 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

spreadsheets 

 

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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 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

spreadsheets 

 

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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 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

spreadsheets 

 

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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 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

spreadsheets 

 

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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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