OK. I'll get this letter sent in and go from there. Thanks for your help dx.

I was surprised to see that no charges were added. The amounts shown all match up to the original CA. Would there be no point in requesting an SAR now that they've accepted my complaint?

I didn't SAR. The account was passed to Robinson Way, they then provided me with a copy of the original credit agreement and the payments made to the account. Would it be worth doing an SAR? I'm going to send a letter along with the spreadsheet asking for a breakdown of how they've calculated the interest at their end.

Attached...

Just uploaded the spreadsheet calculation and the payments made to the account. I misunderstood the PPI total on the spreadsheet though. If I understand it right, the total refund due would be: £866.01 (Insurance Premium) + £199.23 (Interest on Insurance) + £258.39 (8% Interest on payments apportioned to cost of PPI) =£1323.63 Am I right in my calculation?

Hi dx, Thanks for your reply. That's sort of what I've just done. I worked out the PPI payment was 14.76% of the monthly loan repayment. The interest they've offered me is £42.41. My calculations say it should be £762.53! Do you think I should include a copy of my spreadsheet with my reply to the letter?

Good morning All, I hope everyone is well! I have a question that perhaps someone here will be able to help me with. I've recently had a complaint for PPI upheld with Santander (previously Abbey National) for a loan taken out in 2006 and I've received an offer of payment, but the 8% interest calculation they've done looks woefully inadequate. The account went into arrears shortly after the loan was taken out due to me losing my job because of illness. I then made payments through a debt management plan for a number of years, but the payments weren't for the full monthly payment of the loan (which is why I'm struggling to calculate the interest myself). I did make two full payments at the beginning of the loan and using the ppi interest calculation spreadsheet, the interest they've offered doesn't even cover the interest on these two payments. I have all the paperwork if someone wants to take a look. I'm thinking of sending a letter back asking them to clarify how the calculations have been made. Any advice would be massively appreciated and greatly received

Good afternoon All, I'm seeking some advice with regards to a part exchange I did last month. I have received a letter today from the dealership claiming that my part exchange was damaged on the passenger side door and that they have CCTV of me driving the damaged car. I have no knowledge whatsoever of the car having been damaged when I dropped it off and the sales guy did a walk around the car whilst I was there. The next day I did receive a missed call from the garage but I wasn't able to answer the call at the time and by the time I noticed the missed call, the garage had shut. There was no further contact from the garage until today when they sent me the letter. They're claiming £495 for repairs and that I have 14 days to pay otherwise they'll take me to court. The main issue I have is that I had to park the car on the road because there was no where in the dealership to park when I got there. I did pull into the dealership (and drove straight past the sales guy), but had to reverse back out and park on the road due to lack of space. I suspect that this is where the car stayed overnight, and I can only assume that the damage has been caused overnight. Can anyone advise me on what I should do next? I honestly believe that the car wasn't damaged when I dropped it off and the fact that I didn't get a call until the day after is making me very wary. Can I request a copy of the proof they claim to have? If the car was indeed damaged when I dropped it off, I'll pay for the damage. But I think they're having my leg up and trying to bill me for damage that was caused whilst the car was in their ownership, and not mine. Any advice or insight into where I go with this would be MASSIVELY appreciated! Thanks.

I had considered the standard prove it letter, but I'm also in agreement that the template doesn't quite cover the full situation of what's happened with the account. The refund was actually for unfair charges, but I also believe that there is still an outstanding claim on the credit card for PPI. The claim was only started last year though so I don't expect a result from that claim any time soon. I think I'll do as suggested and send a tailored prove it letter, then wait to see what comes back. Thanks for the info guys, much appreciated!

Morning All, I could do with some advice, if someone would be so kind as to point me in the right direction. I've been receiving letters from Lowell since about August 2013. It's regarding what I think is an old credit card debt with HBOS from several years ago (about 7 I think). I had a plan set up for a number of years with Harrington Brooks and continued to pay this until the end of 2012. I stopped payments because I received a payment from ...... for a refund of credit card charges on this very card, and figured that the refund had paid off the outstanding debt and the remainder of the refund had been paid to me. I'm now thinking that maybe this didn't happen. Lowell claim I owe £325 on this card. Lowell have played the usual games, sending letters from Lowell, Red and the latest letter from Red states that they're passing it onto Hampton Legal. I've just started getting my credit rating back on track and I certainly don't want a CCJ, but I also want to make sure that I actually owe this money before I pay a penny. Does anyone know the best course of action to take? The debt definitely isn't statue barred because I've made a payment on in the last 3 years (even though the debt has gone from my credit file since the default is over 6 years old). Any advice that anyone could give would be MASSIVELY appreciated. Thanks in advance.