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Hell Folks

I already have two threads going for Cap One and Nat West, so I thought I would have a go at Debenhams, who I wrote to in April and never even bothered to acknowledge let alone reply to my letter.

 

I have added up the account cover (PPI?) payments and need a spread sheet to put them on before I go ahead with a claim.

The only spreadsheet I can find on the site is the one for credit cards, and debenhams is a store card.

Can anyone tell me of there is another spreadhseet that I could use or is the credit card the one to use.??

 

maggiebroom :confused:

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Hi Maggie,

 

Are you just claiming for the amount added for payment protection ? This is different to claiming for charges and may not infact be recoverable unless you consider you were mis-sold. Can you clarify please.

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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I actually think I was mis-sold, or never informed that after retirement I would not be able to claim off the insurance. I don't remember signing anything either. I have had my debenhams account for over 20 years. The account cover appeared a few years ago.

 

I have written to debenhams in April , but they did even acknowledge the letter which is why I am p***** off with them now. I am up to date with my payments, so no problem there, and I only have two or three late payment charges since 2003. It's just that I asked them in the letter in April to cancel all account cover payments as I could not claim insurance due to unemployment, and they have completely ignored me. I think I should ask them for a CCA agreement which should show whether or not I agreed to PPI. However before I do that I want to know how much I can claim for since 2003. At the moment it come to about £500 which is half the debt anyway.

This is why I need a spreadsheet to work out the interest etc.

 

I am pretty sure I never signed up for PPI all those years ago.

Don't forget we are talking about GE Money here and we all know how slippery they are. :p

 

Any advice would be useful. I just want my unwarranted payments to 'Account Cover'

back.

 

maggiebroom :)

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I am still waiting for an opinion on ther spreadsheet to use for store cards.

 

Anyone??

 

maggiebroom

 

Hello Maggie,

 

I really don't understand why no one looks at a post and doesn't try to help:confused: Maybe everybody is too busy with their own problems. I feel that by helping others you also help yourself:grin: but thats my opinion anyway.

 

Right spreadsheets, I don't think it matters whether its a credit card or a store card. You just need to enter in the date the ppi was taken and it will automatically calculate the interest from that date.

Have a look at these

 

England - Advanced - Excel

England - Advanced - Works

 

 

Choose the one that is compatable with your computor software.

 

Click on it The first page enter the details it ask. Look down the the left bottom and you will see the tabs, charges, click on that and then enter your date, ppi amount taken, click on the colomns and it will automatically add them up. Then go down again to the bottom lt and click on the tab interest. It will have automatically worked out the interest at 8%. If you wish to charge the interest rate, you can do this by clicking on the interest box on the rt hand top I will only work out interest to the nearest round figure so if you put in 18.9 it will work it out at 19, you will see what I mean.

 

Once you have had a play around it does become simple. honest. My face really was like this:o when I first tried to use it.:lol:

 

If you need help, just ask.

 

Love your frog by the way :lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello Maggie,

 

I really don't understand why no one looks at a post and doesn't try to help:confused: Maybe everybody is too busy with their own problems. I feel that by helping others you also help yourself:grin: but thats my opinion anyway.

 

Right spreadsheets, I don't think it matters whether its a credit card or a store card. You just need to enter in the date the ppi was taken and it will automatically calculate the interest from that date.

Have a look at these

 

England - Advanced - Excel

England - Advanced - Works

 

 

Choose the one that is compatable with your computor software.

 

Click on it The first page enter the details it ask. Look down the the left bottom and you will see the tabs, charges, click on that and then enter your date, ppi amount taken, click on the colomns and it will automatically add them up. Then go down again to the bottom lt and click on the tab interest. It will have automatically worked out the interest at 8%. If you wish to charge the interest rate, you can do this by clicking on the interest box on the rt hand top I will only work out interest to the nearest round figure so if you put in 18.9 it will work it out at 19, you will see what I mean.

 

Once you have had a play around it does become simple. honest. My face really was like this:o when I first tried to use it.:lol:

 

If you need help, just ask.

 

 

Love your frog by the way :lol:

 

I can always rely on you my lovely friend

 

I think the site is so big now that not everyone sees other threads. They tend to look at ones that are relevant to their problem. I know I do (unless I am bored and then I read everything in sight :D)

.

I am still undecided as to whether or not to CCA Debenhams. I think I will just because they ignored my letter in April.

 

I need to claim my PPI back from them and that will half my payments.

 

I shall try the Credit Card spreadsheet and let yopu know what happens. I am off for my shower now as we are out to a Cockney Night tonight.

For you Mancunians that means Pie and Mash (lovely) beer and 'Maybe its because I'm a Londoner songs'.

 

Its always a good night and every one wants tickets. trouble is me and hubby have to set the tables and clear up afterwards etc,

 

Worth it though

 

Be lucky Hell

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I have been with Debenhams for over 20 years and although I remember some sort of a form, I haven't got it now. I have moved two or three times since then so it has probably got lost along the way.

 

I may send them the request just to see what they come up with

 

maggiebroom :)

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I have today sent off a letter to dDbenhams (GE Money OOHEERR) asking for my CCA and PPI agreement.

As I took out my Debenhams account almost 25 years ago, I shall be interested to see what they come up with.

 

That will teach them to ignore my letter.

 

Maggiebroom :)

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  • 2 weeks later...

I got a letter from Debenhams yesterday stating that my complaint will be dealt with within 4 weeks. :o

 

I haven't complained. All I have asked for is my CCA agreement from 20/25 years ago. :)

 

I can feel a non-compliance letter coming on. Perhaps I should print it in big letters so the idiots can understand what I am asking for. They obviously didn't read the other letter properly. Or are they trying to get round the 12 day rule??

 

Hey Ho off we go again.

 

Maggiebroom :smile:

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I got a letter from Debenhams yesterday stating that my complaint will be dealt with within 4 weeks. :o

 

I haven't complained. All I have asked for is my CCA agreement from 20/25 years ago. :)

 

I can feel a non-compliance letter coming on. Perhaps I should print it in big letters so the idiots can understand what I am asking for. They obviously didn't read the other letter properly. Or are they trying to get round the 12 day rule??

 

Hey Ho off we go again.

 

Maggiebroom :smile:

 

Go Maggie Go:D You keep at them. M&S tried this on with me, Yea treat it like a complaint and they will get back to you in the year blah. You know your deadlines that is all that matters. 12+30days. You know after the 12day working days they are in default. he he

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Maggie,

Is there any company that you are not fighting with...:rolleyes: ..lol

 

GE Money..argghhh .. you will have fun with them, Trust me I know how they operate..lol

 

If you need info on GE just PM me..

 

And a wee word of Warning... BE Careful what you Post on open Forum re GE Money as they have been known to Monitor posts on here ( well evidence I have shows that they Monitor my Posts...lol)

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Got my monthly statement from Debenhams yesterday

 

I am flabbergasted. I sent a CCA request last month with my pound cheque and they have promptly put it on my statement as an extra £1 payment. :eek:

 

Do they employ monkeys down there?

 

Now I have to write another letter asking for my CCA, declaring them in default for being 2 weeks over the 12 + 2 days, and telling them to educate their staff as to what happens with CCA requests.

 

I could stop paying but I won't. I just want a copy of my CCA agreement if they have one. They certainly won't be getting another cheque from me. :mad:

 

maggiebroom

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GE Money phoned me this morning about my request for a CCA on my Debenhams account.

 

She was very apologetic and said that my CCA will be with me in the next few days. :D

She did say that they definitely had my CCA. I am not sure, I took the account out 25 years ago when I lived in Exeter, and I would like to know what they are going to produce.

:confused:

I won't hold my breath.

 

maggiebroom :)

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