spaspeckerthedull
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Everything posted by spaspeckerthedull
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barclays, barclayloan going back to 1998. Complaint upheld, received award of just over 14k
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success, RBS accounts from 1995. Total award £5048.68 but some deducted to repay insurance claims - actually received £1788.08
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yes, I did send in a SAR but the information supplied was of such quantity and so complex that it is only recently I have been making headway into preparing my claim - I simply did not have time to devote to it due to work and family commitments, it has taken me years of letters and advice from this forum to get anywhere really as they have been quite devious up until of late. it's all over now and I have received my refund, less payments made to the insurance company to cover what they paid out thanks to all - I will post in the successes thread when I get chance
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thanks dx100uk - I need to find out if they've sold the debt. It just seems queer to me that 9 "insurance" payments were made into the account on the same day, totalling over 2500 despite me making an unsuccesful claim over a year earlier - it was the unsuccesful claim that made the account go into arrears in the first place haven't got my hopes up regarding actually receiving the money
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hello all - need a bit of advice before proceeding This might seem more complex than it actually is, so please bear with me. after a long haul, I have had my PPI complaint upheld by the RBS. So far, so good. They have made me an offer and then gone on to explain that I won't be getting some of it due to a succesful claim made against the PPI. Then it gets a little complicated. I have all my DSAR documentation, and have been going through it prior and post claim. The copy statments show insurance amounts hitting the account to cover the loan payments, but they are sporadic and do not make sense - eg. there are 9 insurance payments being credited to the account on the same day? And I distinctly remember prior to these payments trying to make a claim on the insurance due to redundancy but the claim was delayed and not upheld. I never received any notification from the bank or the insurance company that succesful payments were being made and the account went into arrears, being passed round various DCA's before being sent to CMS telford Theirs and my offer calculations are nearly the same. What is confusing me is that they have sent me copy statements going back to when I opened the account in 1995, listing every detail and transaction etc. but then the statments stop in 2010. The account has been in dispute since 2008 and has been statute barred since 2014. My questions are as follows: how do I find out if the account is still active? there has been no activity on the account for at least 9 years and I have had no "you owe us" letters for about 7 years are CMS a part of the bank or a DCA? I presume that any amount I receive will be offset against the statute barred debt? when I cca'd and DSAR'd the bank they could provide no evidence of any credit agreement existing between us I think i've explained it pretty much, so any comments/suggestions/questions are welcome
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UPDATE confirmation of refund amount, less tax, received from canada square 30/03/16 cheque received this morning 04/04/16, and is post dated. their continuing efforts to make me jump through hoops thus proving what a bunch of spiteful cretins they are This has been a complete drag for a long time, and I appreciate the efforts of all those that tried to help success recorded HERE
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historic egg account from 1999, had to chase canada square. Refund just shy of £400 after tax. thread is HERE
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UPDATE: received reply from egg. They are asking me to confirm my details as my current address differs from their files. I have already confirmed my particulars with them when the DSAR went in, as I supplied them with certified copies of requested documentation signed by a GP. They are now claiming that a GP is not on their list of professionals that they accept as signatories - if this is the case then surely they should not have sent me info under the DSAR? Have spoken to FOS, who can't help, and ICO who won't as they don't consider it a breach had enough now, it means I have to go and get certified copies from a solicitor who will charge and are not cheap thoughts?
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UPDATE: egg refused to pay out as per previous post. Complaint made to FOS, received reply from them this morning that they are upholding my complaint and that egg will be writing soon with an offer of compensation Will update again when I can
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Update: to clarify - sent them a letter, completed FOS questionnaire and spreadsheet (in short, everything required for a claim) jumped through all their hoops re. establishing my identity and waited. Got reply this morning, rejection of claim with lengthy explanations as follows: obviously i'm going to complain to FOS, but is it worth me sending them another letter urging them to "reconsider" - do they still get fined if asked by me to investigate my claim/make a complaint? and is it still £500? just wanting to establish some perspective as my claim amounts to less than what the fine would be if still applicable? or is that now it and i'm stonewalled? by their own admission the web form had tick boxes and my application would definitely not have proceeded had I not ticked the yes box
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UPDATE: got a package delivered by TNT this week, containing their response. As expected it's incomplete, and I didn't like the tone of their covering letter to clarify, they have not provided all the info I specifically asked for. Neither have they provided all copy statements regarding my credit cards or bank accounts. Some of the bank account statements appear to have been doctored in that regular DD debits do not show on some of the copy statements. They also claim that they are not obliged to provide me with copies of information pertaining to accounts that have been closed for 6 years or more, and that they no longer have that information anyway as it would have been destroyed - but the current account statements they did provide go back to 1995 when the account was opened? They also sent a copy of a loan application back in december 1999 - yet this account has been closed for over 6 years so there's a contradiction right there? they also have only provided copy statements of credit cards going back to 2001, some of which were opened in 1995 - 1996 and again these accounts have been closed for longer than 6 years so yet another contradiction? it seems to me that they have systematically failed, intentionally, to provide me with any evidence that would allow me to attempt to lodge PPI claims really incredibly annoyed with this - opinions as to next course of action please?
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UPDATE: following on from my last post, I sent them a letter stating that they already had all the info they required, that I had already identified myself to them and that I could not understand the reason for their request as they had replied to my DSAR so my evidence must have satisfied them on that count. Sent first class recorded, online track and trace shows my reply delivered and signed for. Got another letter from them yesterday, same as the last one. I am now at my tethers end with these people - surely there must be something I can do to make them sit up and take notice as they are obviously ignoring my correspondence, and the first class signed for fees are racking up
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it already has been assigned to a case handler they don't have and never have had any of my phone numbers - thanks for the advice re. calling them my original request stated I wanted ALL info, all correspondence to them from me is always sent first class signed for - I like a paper trail. I suppose a gentle reminder by post would not be amiss, and I am aware of the 40 days, LBA etc. thanks for the replies
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UPDATE: got a letter from them today acknowledging my complaint, so finally getting somewhere, they go on to say that they need me to confirm my identity to them through certificated documents. Getting really annoyed now as I have already done that last year when I sent in a SAR, to which they replied in full with ALL my info so my evidence was obviously good enough on that occasion - I haven't moved since the SAR reply so is this a delay tactic or do I really have to send off more certified docs?
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been trying to get rbs to comply with my SAR for a long time now, and finally I thought I was getting somewhere until I got their latest response. I have received 2 separate letters. In the first they acknowledge my request (FINALLY!!) and that I have been assigned a case handler. So far so good. Then they go on to say that they have tried to call me to discuss my case. They can't as they have no number of mine? They then request me to call them, as they wish to clarify exactly what information I am looking for, to help them "focus their search" as they may not be able to respond to my request in full. the second letter says pretty much the same, "we acknowledge etc." and "help them focus their search" but they go on to say that some of the information I won't be entitled to as it deals with companies and internal bank processes. They then go on to say that as I have requested paper copies of statements, this may result in a large amount of paper. Well that's fairly obvious to me, but they go on to ask me to call them to advise them the dates between which I would like the statements? Is this a delay tactic or a genuine request as I thought I had worded my SAR pretty comprehensively, in that I asked for copies of all correspondence between me and the bank, including copy statements. The reason for the blanket request (from me) was because I don't know the dates from when I opened the accounts to their termination, I can only guesstimate They then go on to say that as they do not have sufficient detail to help them identify and locate the information I have asked for the 40 day time scale has not yet come into effect, and they cannot continue until I have called them and clarified? delay tactic or genuine request? I have always followed guidance from here in that you talk to no-one, EVER, on the telephone? do I respond in writing saying "finger out, the clock is ticking"?
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i'm very sorry, I do not understand your reply
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ok, got it thanks. I now have a figure of 20.47%, which I calculate to be the average. Do I add the extra 8% to this or not? and can I claim back the SAR fee as well?
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OK, thanks again - I had based this figure on the historic interest rate that was offered at the time, but I have some workings out - PPI interest per month @ 0.59% balance transfer interest per month @ 0.030% account interest (average) per month @ 0.944% the sum of the above gives me an average of 18.77% per year? have I got it right or am I way off? also, do I add another 8% to this figure or do I not get it because the account was never in credit?
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hi dx100uk - thanks for the continuing input/support, think i'm getting somewhere with this now but another question - on the spreadsheet input for the average interest rate, do I calculate this using the figures for the card rate AND the balance transfer rate combined? I've done preliminary maths which I think is correct, and the average interest rate applied to the PPI amount is different to the interest applied to the outstanding balance example: calculated PPI interest rate ONLY (NOT balance and balance transfer combined) of approx 0.588% per month, at 15 months = 8.82% - is this correct? can I also claim a refund for the cost of the SAR? also, I am having delays in replying as for some reason I am not receiving email notification of replies to the thread so please bear with me as I can't log on as often as i would like
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thanks for the input, I don't see how either of those spreadsheets can help me? there's nowhere for me to enter differing rates of interest, amount paid that month, PPI charged that month etc. - unless i'm completely reading it wrong? preliminary workings-out on my part show that even with removal of PPI paid the account was never in credit, i'm going to have to have another think/look into this because I really am struggling to find which of the spreadsheets I need for my particular circumstances/claim egg eventually came through with ALL my info off the SAR, so paperwork wise there's nothing lacking - apart from a copy of my application, but this was in 1999 so it was definitely online and pre-ticked boxes
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hi guys, not been around for a while but have now decided to get my finger out re my egg PPI claim took a while to get my SAR, but they provided me with everything except a copy of my online application, which would have been november 1999. PPI is not in dispute, as all my copy statements show amounts charged/paid up until account passed to DCA due to redundancy and non payment. Again, not an issue My struggle starts when it comes to completing the FosRunningPPIv102 spreadsheet, as the interest calculations are all over the place - bear with me and i'll try to clarify month 1: opening balance of zero, monthly spend, PPI premium, etc. all there. No problems month 2: spend shown, plus a balance transfer from another card. This is where interest charged starts to get complicated as there are 2 rates of interest shown - one for outstanding balance, and a seperate one for the balance transfer. The spreadsheet calc doesn't allow for more than one rate of interest to be entered. month 3: as above, 2 different rates of interest month 4: starts to get even more complicated in that the interest for the outstanding balance increased this month, and every 3 months thereafter the outstanding balance interest increases every 3 months until the account is passed to a DCA for defaulting, the balance transfer interest is constant and never changed - the irony being I was made redundant and egg failed to provide me with a PPI claim form in time to stop the account being passed. Account is now closed, after having been paid in full via the DCA about 8 years ago should I start another spreadsheet each time the outstanding balance interest increases, carrying forward the details from the previous spreadsheet? and how does the interest rate for the balance transfer affect the way my PPI claim is calculated? I probably haven't explained it very well, and if necessary I can post scans of the copy statements if it would help? i'm not looking to be spoon-fed the info, but I really cannot get my head round the various different interest charges, plus the incremental increases
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UPDATE: apologies to all watching this thread, I work away from time-to-time and simply cannot keep up with issues like this that need solving. Thanks to all who have advised so far, I'm back home now and it's time to put this to bed as it's gone on long enough so any further help/advice will be appreciated @ims21 - it looks like PPI was only charged for 14 months, however it's MY money and I want it back!! the SAR paperwork does not contain anything about PPI termination, however there is a lot to wade through and I need to check again to clarify when the account was passed to the DCA I cannot find if the interest was stopped but I will check again, there are a lot of acronyms and "bankspeak" to deal with, they did provide a translation sheet but it's tough going I have been looking again through the old statements to try and catch up a bit, the confusing thing for me is that the interest charges are complex in that the rate changed on balances after the first 2 months, then again a few months later - this change was also applied to the interest on the balance transfer from another debt at a completely different rate. I am going to have to put my serious thinking cap on, but in the meantime I am grateful for any suggestions or comments you can bounce off me
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bump please - UPDATE been looking through all the large amount of paperwork in response to my SAR, came across something that concerns me. PPI claim not in doubt, account is historical internet application on the basis of "TICK BOX TO PROCEED" - this much I can prove. However, provided paperwork is confusing me in that the opening statement shows PPI charge, all good so far, and the charges continue to be made for a further 14 months. This is where it gets tricky (for me) as at this time I lost my job through redundancy. Unsuccesful claim made on the PPI due to EGG dragging their feet when supplying a claim form (so this makes the PPI utterly useless in this instance) Debt then passed to DCA for collection. At this point statements kept coming from EGG, but only showed outstanding balance and there appear to be no further PPI charges applied to the account (interest was applied to the account for a further 3 months) Statements arrive every month showing my payments for another 3 years when the debt was finally sold to the DCA who continued to collect on the outstanding balance until I cleared it. I received no formal notification that the PPI was cancelled at any time, and I do not recall or have any evidence of me cancelling the product either So now, when I calculate my claim using the spreadsheet, do I only enter the payments until they stop appearing on the statements, or do I carry on until the debt was cleared? I'm also struggling with calculating the interest charges using the FOS runningPPI spreadsheet, in that the interest rate changed quite a few times during the life of the account, plus there was also a variable rate of interest applied on a balance transfer. It's getting VERY complex and although i'm not requesting to be spoon-fed I am asking for help anybody any ideas?
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OK - not sure if I should resurrect this thread or start a new one? UPDATE: after much protracted legal wrangling I finally got my SAR from egg, but I think it may be incomplete in that there is no copy of my application? They have provided copies of the signed agreement, which was never disputed, and copies of all statements - which make interesting reading. Statements include confirmation of PPI payments made every month, and correspondence showing debt going into arrears (through redundancy) being passed to DCA for collection, then finally sold to DCA after a couple of years who collected remaining outstanding balance. QUESTIONS: Do I write back insisting on a copy of my application? I know for a fact that my APPLICATION was online in december 1999 as my agreement is dated january 2000. Will I need this to prove mis-selling, or "tick box to proceed" selling? Statements number to over 100 pages, some of which is confusing as I thought my account had been sold to a DCA a lot earlier than it turns it had been. How would this impact on my PPI claim? Would I claim whole amount from egg, inc. interest, or simply what I paid egg then what I paid the DCA? SAR covering letter also states that I am not entitled to some information, but includes names and addresses of those which I should ask for the information egg have not provided, which includes the PPI company? thanks in advance for any replies/help
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their response states that the address I provided on my request doesn't match what they store on their records. Well of course it doesn't - i've moved? I have provided them with copies of historical correspondence from them to 3 of my old addresses, a copy of a letter from my local council thanking me for registering for postal voting and a copy of a letter from HM tax office with confirmation of my new tax code. All dated within the last 6 months It seems they are fishing for a copy of my signature as they have requested evidence of something bearing it? It also seems that they wil only accept evidence of something that is provided to me on a credit basis - They also want CERTIFIED copies of: credit card statements - I don't have any credit cards mobile phone bill - I don't have a mobile phone (don't need or want one) bank statements - I don't receive any as my account is paperless and all my banking is done online a store card - nope catalogue statement - again, nope It seems odd that they are now doing this, especially seeing as how my identity and change of address didn't matter when they were defaulting me and passing my account to a DCA for collection? They make mention that once in receipt of requested evidence they will update their files and you'll (meaning me) be able to use the new address to access your accounts. Seems odd seeing as how I have no accounts with them any longer? Also, seeing as how they have no branches I cannot ask any of their staff to photocopy copies of my evidence, this being my understanding of how my evidence is to be certified - 'cos I have no intention of paying a solicitor to certify it for me On a plus note, their letter seems to suggest they have the information I am requesting and it will take some serious hoop-jumping on my behalf to get my hands on it. And internet research suggests this course of action is the norm for people submitting SAR's to egg - I'm not giving up though any pointers or ideas are welcome - should I resubmit my SAR with copies of my driving licence?
