SNAP rebel!

Hi Did you SAR them?

Hi, thanks for that citizenB. I decided to go after PPI as this is quite a whopper! I started this in January. The store card goes back to 1994, so even though it was only a 500 limit, and I had to estimate the charges for the years they didnt send me,with the interest added it works out to be quite a serious amount of money! I cancelled the PPI when I discovered it in April 2006. They made me an offer of 2188.76 in full and final settlement as a gesture of goodwill, ex gratia payment, without accepting the allegations, blah,blah. As it is before they were regulated, I got their insurers at the time of the store card starting as Cornhill. Put it with FOS in May. Still waiting for it to allocated to an adjudicator! Is anyone else claiming against M&S for PPI? Would be interested to know how its going with others? Emmtay

Hi, Can this thread be moved to PPI section as I am persuing the PPI refund on it, and then I can update it? Thanks Emmtay

Hi Just getting round to updating things! I WON!! Please can your mark this as a success someone?!

just seen how bad my spelling is tonight! oops!

Btw, I did what DJ said, and estimate all those missing months that Santander seem to have 'lost' for everyone!?

Hi I have been fighting with Santander- evans store cards so very similar case. If you want to ask anything feel free and will help if I can. Its been with FOS since about May im afraid, and I started over a year ago with Santander. To cut a very long story short, they passed the book to their insurers, who then passed it back to santander, who then went in a full circle with the same procedure as first time round! When they gave final answer I passed it to FOS. Be prepared for a long wait! Emmtay

Fantastic, You really are a star! Will let you knkow how I get on with this one too. Thank you soooo much

Good Evening DJ Was hoping to see you on hear !

Will do Dotty. I've got my daughter to sort out with Uni this time next year, so know what you mean! Take care Emmtay

Hi Dotty, how are you getting on with your claim? The adjudicator at FOS agreed with me in July, but still waiting for the outcome. Have phoned every couple of weeks, and last time I was told they had put a hold on capital one paying out as they were ripping people off and not paying what was due! Apparently, management at FOS are sorting it out, and then things will get moving again, but no idea of timescale!? Oh well, at least it will have more interest added with the delay:lol: Let me know how your is going Emmtay

Hi Took out a secured loan with Norton Finance/ Endeavour Personal Finance 1n October 1996 for 6,500 PPI 780.00 APR 25.9% monthly payments 206.40 for 60 months Not sure if i paid it off early Sent them usual letters asking for money back, and had same standard replies over 6 years etc, including exact same letter scottishbyrd got, now they have said its their final response. Please can you help me work out how much they owe me? Thanks Emmtay

Hi DJ Yep, they need it in black and white! They say I am requesting an 'enhanced' payment, not sure what that means, but will keep you posted. I have another thread which I could do with your help on if you don't mind, please can you have a look. Its Emmtay v Norton Finance/Endeavour. Cheers Emmtay

Hi, thanks for that, I think I get it, will try phoning now, then send letter if they need it in black and white! Emmtay

WOW, really? That much? Should I just list it exactly as you have put then? Emmtay:whoo: Could you explain what you mean by the interest on the difference? Sorry, I'm probably being very thick!

Hi, and thank you for reading it! The agreement is dated 21st July 2000 Settled early, end July 2004, figures on settlement document as follows:= Loan remaining 8,307.60 Less rebate of future interest charges 900.47 Less payment protection premium rebate, if any 35.89 Total amount payable for settlement on or before 1st August 2004 7,371.89 Thanks SO much for looking Emmtay

Hi Hoping DJ or Pompey are around? Trying to work out the interest on PPI claim on a loan. They have admitted I didn't tick the box for it, and have sent me a cheque, but I asked for the breakdown and workings of the interest they have worked out they owe, and want to double check woth someone please? Ive done credit cards and bank reclaims, but not done a loan before. The figures on the credit agreement are as follows:= Loan 10,107.70 Repayment Protection Premium 2,812.97 Total Charge for Credit 4,826.85 Total Amount Payable 17,747.52 APR 9.94% 84 monthly instalments of 211.28 They are saying they owe me := 2812.97 PPI 1053.55 Interest Please can someone have a look? Thanks Emmtay

subbing on this one Emmtay:-)

Hi Had to post as I have an IDENTICAL letter from Norton! How have you got on with FOS? Emmtay

Just to update this, FLA were useless, I was referred to the Insurers, who referred it back to Santander, and we went full circle! Luckily I had made a complaint to FOS, and when I got to the dead end again with Santander, FOS have taken on my case. Still waiting to hear the adjudicators decision, been about 3 months now, so hoping not too long! Emmtay

Hi Subbing on this as I am about to put in a claim to Norton too, which was before 6 years. Also a few others, chatham finance (now paragon) and colonial (now winterthur) ! Emmtay:)

hi i can't tell you if you have a valid claim but i can tell you im in a similar situation with ge money/santander cards (evans store card). They have given me full and final response that they won't be refunding, and I have just filed my complaint with the FLA, which you would have to do too, as before the FOS timescale. good luck emmtay

hi, thanks dx and tiggrae Im just starting with them dx. claim is against santander/ge money(evans storecard) taken out in april 2000. i will be doing one against m&s chargecard/then credit card, dating back to jan 1994. Whats your history with them? cheers emmtay

Hi Dotty No, didn't take quite that long, LOL! Playing the waiting game with barclaycard, also capital one, santander/gemoney(evans storecard) refused and referred me to F&LA so just starting to get all paperwork to send to them today! How's your calculations going? emmtay