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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

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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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..

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 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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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Spml Reluctantly withdrawn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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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Spml Reluctantly withdrawn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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  • 1 month later...

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..

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

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..

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... 

Link to post
Share on other sites

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..

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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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..

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... 

Link to post
Share on other sites

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..

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

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..

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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