Hi, thanks for help given, I don't seem to be able to download the spreadsheet without problems occurring. I am not in a financial position to hang around any longer to see if figures are correct and if I'm honest at least I have won and got money back. Good luck to everyone out there with your claims and do read everything on this site first, I only wish I had found it sooner. The site managers are doing a great job and a donation is on its way as soon as my refund clears. Thanks again for all your help.

Your right it isn't I have just found another statement which shows on the back what everything is and ppi would've been at the top. Probably breakdown cover or something so I think I will ring the number on the letter and clarify what it is I paid the extra for. Thanks for your reply.

Thanks for that, I will look it up and see what it says. I take it the link you supplied is where I need to go to so see you later.

Thanks for replying dx100uk Yes they were all used to refinance previous loan. The loan I still have is a result of refinance 6 years ago (1 Year left hooray). No I didn't do a spreadsheet as I only learnt about them when I came on this site last Friday. I have asked the bank to send me a complete breakdown of each one though. I had paperwork to support my claim from 2004 and have wrote on my posts exactly how each one reads, but I haven't been refunded pre 2004 for some reason even though my letter of offer states all from a consolidated chain of loans. What do you think? Thanks again Ps. Sent copies of all five loans as proof.

I put the claim in myself and am more than happy that it was upheld but I want to be 100% sure the offers are right before I accept. Already had life insurance and was stay at home mum so didn't need it or ask for it. Do it yourself it is so easy and do not use a claims company, if your not too good with filling out forms ask a friend or family member to help you.

ppi offer 5 Loan taken Aug 2006 (due to cold call from bank to reduce int rate if taken) (A) Amt & purpose of loan £16000.00 comprising loans (a+b) (a) upto £15171.67 for refin acc no ***** (b) cash loan of £828.33 (plus any balance of loan (a) not used for refinancing) for REFINANCE DEBT THIS BANK (B) Term 84 mths © total amt payable £20311.20 (D) repayments £241.80 for loans described 1(a) in proportion amts drawn down. APR 7.3% OTHER FINANCIAL INFO (A) total charge £4311.20 (B) Ann rate interest. Int of 7.04% over the term. Goodwill offer comprises: Total refund ppi prem & assoc int paid to date £616.01 Stat & Stay int values £147.75 Less Tax (20%) £29.55 Net int £118.20 Total offer £734.21 This is the most confusing one as I have been paying for 72 months with 12 to go so if this is correct I have only paid roughly £10 per month for ppi + int. I still have £3350 to pay on this and waiting for restructure from bank. So are they all correct if so great news money back into my acc if not is it FOS route. Again thanks for any advice in advance.

ppi offer 4 Loan taken June 2006 (A) Amt & purpose of loan £15000.00 comprising loans (a+b) (a) upto £9165.72 for refin acc no **** (b) cash loan of £5834.28 (plus any balance of loan (a) not used for refin) for REFINANCE DEBT THIS BANK (B) term 84 mths © Total amt payable £21351.96 (D) Instalment repayments £254.19 (E) APR 11.2% OTHER FINANCIAL INFO (A) Total charge £6351.96 (B) Annual rate interest. The amount of int payable at beginning of agreement and is equiv to fixed ann rate of int of 10.66% over the term. Goodwill offer comprises: Total refund ppi prem & assoc int paid to date £9.94 Stat & Stay int values (Gross int etc as before *) £4.79 Less tax (20%) £0.96 Net Int £3.83 Total offer £13.77

ppi offer 3 Loan 3 2005/6 not sure of date as not on paperwork (a)loan £10300.00 (b)Term 60 mths ©Total amt payable £12565.89 (d) instalments repayments £209.43 APR 8.4% OTHER FINANCIAL INFO (A) Purpose & amt loan loan (a+b) (a) up to £6894.53 for refin acc no ****** (b) cash loan of £3405.47 (plus any balance of loan (a) not used for refin) for REFINANCE DEBT THIS BANK (B) total charge £2265.80 comprising (i) int £2265.80 (ii) admin fee £0 APR int applied to loan acc when loan first drawn this is fixed ann rate int of 8.12% over term Payment allocation Any payments the customer makes are allocated as follows first pay off any arrears then pay off any costs, expenses & charges due finally amount owed on loan acc. Goodwill offer comprises: Total refund ppi prem & assoc int paid to date £122.28 Stat & Stay int values £63.37 (Gross int etc as before *) less Tax (20%) £12.67 Net int £50.70 Total offer £172.98

ppi offer 2 2nd loan Oct 2004 (a) 2732.83 cash loan for refin exis bank debt (b) 4767.17 for repay bank acc no ******* © £1941.00 ins loan The credit £9441.00 (=a,b,c above) (d)Interest £1770.40 (e)Admin fee £131.00 Total Charge for credit £1901.40 (=d, e) Total amount payable £11342.40 Instalment repayments £189.04 @60 mths comprising main loan repayments £150.18 and Insurance loan repayments £38.86 APR 7.7% Goodwill offer comprises: Total refund ppi prem & assoc int paid to date £475.81 Stat & Stay int values (Gross int etc as before *) £279.45 Less Tax (20%) £55.89 Net int £223.56 Total Offer £699.37

ppi goodwill offer Could somebody please look at this and tell me if it is right or should I refer to FOS.. Received my goodwill letter today, 8wks up Mon. My existing loan has 12mths left from 84 mths and relates back to all my previous ones so I just sent ppi claim for this one and asked for all others to be taken into consideration with supporting paperwork. Had life insurance and stay at home mum sometimes with part time job, so no need for ppi. 1st loan Jan 2004 (a) £2306.45 cash loan for refin exis bank debt (b) £2693.55 for repay bank acc no ******* = £5000.00 © £1192.00 Ins loan The Credit £6192.00 Total charge for credit £1360.80 comprising (a) interest £1310.80 and (b) admin fee £50.00 Total amt payable £7552.80 Instalment repayment 60mths £125.88 comprising (a) main loan repayment £101.64 and (b)insurance loan repayment £24.24 APR 8.4% Goodwill offer comprises: Total refund ppi premium & assoc int paid to date £192.32 Stat & Stay int values (Gross int at Stat Rate added to each overpayment to date plus additional int for delay from when informed complaint put on hold) * £125.12 Less Tax (20%) £25.02 Net int £100.10 Total offer £292.42 Will post each one seperate has timeout occurs otherwise. Hope this makes sense and any advice is welcome. Thanks in advance

Hi, I'm new to this site and forum but it is very helpful and informative so I am hoping I can get answers to my question. Just found an old statement for Comet dating back to 2002 and it has a section saying Timeloan details (the card was called Time even though it was for Comet). Underneath the heading it shows a date of March 2000 (presume this is date taken out) a ref no. and says OPTIONAL INTEREST PLAN £1137.12 then shows a d/d payment for Oct 2002 of £23.69cr and the same figure shown for min payment for the coming month.(Nov) Is this ppi under a different name? The top part of the statement shows opening balance and another amount of d/d paid for Oct 2002 of £19.00 cr, interest £10.23 taken two weeks later, closing balance for that month + APR 29.9% Then a timecard news line stating: The credit product formerly know as Interest Free Credit Option has now changed its name to Optional Interest Plan. I don't remember having this and definately it didn't have it explained to me if it is ppi as I would not have taken it out because I was a stay at home mum and had life insurance with Royal Scottish. Any advice would be welcome in advance:-)