Thank you ims21 for this, i will investigate further, now begining to get an ulcer as have been trying to get somewhere since April

HI to all Today had letter from Black horse refusing my PPi Complaint so pretty downhearted. Barclaycard, Morgan stanley. Having sent three letters req SAR and one failed SAR letter. I have still not received copy statments from 2001 to 2008. They now say they never received my last letter after a phone call to them today. I have contacted the Post office and they emailed me copy of the person who signed for the special delivery so will send yet another letter today with copy of this signature. Their delaying tactics get more elaborate by the day. They sent me joint current account statements, completeley ignoring that i asked for Barclaycard statements. They sent me a copy of the application form for MSDW, so if they have that then they must have copies of my statements, the app form only has nine questions on it what is the fourth question it has been blanked out and although it clearly says self employed on the app form someone hs ticked the Yes box for PPI. My question whi is the IC and how do i complain to them about the merry go round i am having with BC Many thanks

thanks for this i think i sent my message twice as it did not seem to go Sorry

Hi to everyone. Can someone help, Have received some info after three letters but still waiting for statments from 2000 to 2008. Which calculation form do i use for credit card PPI, which APR do i use and do i use 8% interest? this PPI is still running on my credit card to scared to cancel it but also done know how to cancel it. Bob Diamond was in charge of Morgan stanley what a surpise. Thanks if you can help:?:

Thank you again That this much clearer and what a shame it is not the figure from my first email but heyhoe every little helps when your hard up Found your star and i will get on with the first of these claims i hope i will manage the other one when the data is sent But if not i hope i may have some help form you. I will go to paypal now and donate

Hi Ims I am getting there slowly It is difficult when you are trying to work round the site and learning how to use it. I am most grateful and will risk paypal with a donation. How will you know its from me though? The form you suggested Statin V101.xls was not the form that i originally filled out Does Statin V101.xls do the compound interest like the Compound interest Calculator Form. I need to make sure i get it right first time as having spent since April trawelling through all the posts trying to see examples of loans cc and PPI for defined cases i came up with confusion. And having Barclaycard stalling on the data about my cc card but sending me oodles of info on my current account and although i clearly stated on the SAR Credit Cardthey have made me into a nervous wreck. Your site is truly helpful and i am most obliged for your help will send donation now and hope you will clear up the above confusion many thanks. PPS hwere is your star located so i can click it?

Thank you i have done this and listed out the payments of 12.56 and dates but it is the APR bit iam not sure about is it 1.74% as listed in my previous post or 22.9% Also as Paypal is not safe can i send a cheque or use debit Crad Thank you

Please please help i am not computer literate so am not sure i am using the correct message form I have two PPI claims that i want to submit Black horse and Barclaycard/Morgan stanly card. I want to fillout the correct forms i have downlaoded them all but now not sure which one to use I put my inital figures in the simple Compound Int Calculator form ans the follwoing is what it comes up with is this correct Black horse Financial details 1st Shedule amount of credit £2000.00 Int Rate per month 1.74% APR22.90% Monthly repayments £75.23 Tot chrg £2780.28 Payment Prot Plan Cash price £334.10 Amount of Credit £334.10 Interst rate per month £1.74% APR22.90% Monthly repayments £12.56 Total charge for credit £118.06 Total amount payable £452.16 36 months I paid this off early but they have supplied me with the lsit of payments In the Simple Comp Int Calculator sheet :oops:do i put in the Interst Rate column (APR) £1.74% or 22.9% if it is 22.9% claim calculator comes up with the following figures Tot charges £326.56 Comp Int £2139.13 Total £2465.69 to reclaim I am sure this cant be right they cannot owe me that much. I am also not sure how to make a donation to your site can you tell me how I hope you can help me:oops: