ok here goes nothing I have re-read the original letter from the YB and am now of sound mind to dissect it. It clearly states there are 5 loans and then says they also found 4 more (the same loan numbers) so not MORE! PPI upheld on 4 but then goes on to state an offer of recompence on 5 They have only included the agreements for 2 loans so how do they know about the others on which they have made an offer? Could someone please look at the upload on post 4. If there are 5 loans why have i not got 5 agreements as requested when i sent the SAR, I thought they had to by law? They have agreed the PPI is there and made a token offer so they must have the info somewhere. If you could please have a look and advise how to fill the CISheet v101.xls in it would be of great help. I have printed the ombudsman questionnaire out and the letter as advised but i want to add to it that their letter does not make any sense. So I just need the spreadsheet now. Not understanding why i can't put them all on the same sheet? Thanks sara

omg i have calculated all loans on one spreadsheet and it comes to £14,143.29 could this be correct? If it is i am lost for words. May i draw your attention to 2 loans that i apparently claimed against PPI premiums paid £2,512.06 Plus 8% simple interest £1,681.04 TOTAL £4,193.10 Less insurance claim £2,493.31 Adjusted PPI premiums and associated interest £1,018.33 Adjusted simple interest £681.46 TOTAL £1,699.79 I'm not sure which figure to calculate? Any advice would be helpful Thanks I'm sorry for being such a numpty but people like me tend to bury their heads in the sand and then run around like a loon trying to sort things out

I am trying to do the spreadsheet but the calculations are less than what they have offered in the first place? I'm obviously doing something wrong. Can i put both on one spreadsheet? Also i have noted that the offers on the other loans have no dates on them so how can i calculate the interest?

I have the info I posted but don't know what to do with it. I have read until I can't read any more. I'm confused how to proceed. The stuff they sent is not clear cut. Could you give me some guidance please Do you think there is more? Or is the offer fair?

Hi. Is there any help available. I am stuck with what to do next Thanks

Hi dx100uk Was wondering if you've managed to unravel this yet? Thank you so much for your help

HI This is all I have. I thought the bank statements would prove the amounts paid monthly attached to the loan agreements?

Please can you post the upload instructions again. I do NOT have the upload button Agreements for upload.pdf Statements .pdf

:-) of course you do, sorry stupid question really haha i will get on with it tonight i bet your calling me all the names under the sun thanks though

Oh ok but there are over 100 documents but only the 1 credit agreement. All of them?

Thankyou. The manage attachments is there today. Please see what they have sent me along with loads of statements, one credit agreement and credit card statements. 2nd from YB.pdf

They have sent 1 loan agreement and piles of statements. Its scary looking back in my financial past I am beginning to think i have bitten off more than i can chew.

Well the info landed on my doorstep today (2 days after a phonecall) Now where do i start? It seems to be all statements for my account and my credit card account. I can't see the wood for the trees at the moment. Any help would be greatly appreciated. Thanks

Hi all I rang YB today and after four different numbers eventually spoke to someone who said "we have not received your request" I replied that someone had signed for it and I have the receipt. Oh yes she said we sent a reply on 21st May but if you haven't got it may we have another week and I'll send it again? Here we go gang. I told them they have until Monday and then I will take the next step regardless. Sounds like they are trying to delay the inevitable doesn't it?

Right here we go The Yorkshire bank have completely ignored my SAR. Where do i go now? All help is appreciated as I am now lost. Thanks in advance

Righteo....thanks. I have just driven from Gatwick Airport to the northwest and it's taken me 8 hours (roadworks and idiots)so please forgive my stupid questions

In the original document they seem to be trying to bypass the process and say this is our final offer if you don't like it go to the ombudsman?

Ok thank you. If they do not respond at all could I lose their original offer?

Hi All So tomorrow is d-day and I have heard nothing at all from The Yorkshire Bank. I am assuming as its Sunday i won't either. Do I go to the next step? What letter do I send them next? Thanks

Do I just make the postal order Pay Yorkshire Bank? Thanks Sara

Thank you for your help. I will set about this tomorrow. Your advice and knowledge is invaluable. Sara

Yes and it does not make any sense to me PPI premiums charges and associated interest £3,298.88 Plus simple interest £3,089.72 Minus 20% Income Tax £617.94 Total £5,770.66 Please note that 21 days simple interest is added to the redress from the date of the response letter. Sara ppi offer 15.03.2017.pdf

Hi I would value your help on this matter. The Yorkshire Bank contacted ME to advise they thought I may have been misold PPI. The forms arrived and I was unable to give them any information other than my name and addresses i had lived at. I then received an offer less 20% tax, I am non plussed as i have never heard of this before. Will it be the only offer and should I accept? Thanks Sara

Hi All I have been contacted by numerous companies telling me to apply for my ppi back. Now I'm no pushover nor am I green behind the tabs, but they seem to be implying they can access banks files from forever ago? And they can go where a no man/woman has gone before. Do these companies have more sway with the banks? I was under the impression if I do this myself, I can only go back 6 years but they are saying 20 years and no paperwork (who keeps it that long anyway) So my question is this. Should I let one of these companies act for me? Thanks in advance Sara

Hi Well here goes nothing It was around 9 years ago we were struggling financially and borrowed a large amount from i think it was then Northern Rock as we had our mortgage with them. It was an unsecured loan over 25 years. We then sold our house and now have no mortgage. We have continued to pay the loan ever since Following the redemption of our secured loan the interest rate was bumped up from 8% to 12.79% and has been at this rate since Oct 2009.It seems as if we have paid next to nothing off the loan. I was wondering if there was a way to reduce the interest rate or do we have to remain at 12.79% for the duration of the loan? Any help would be greatly appreciated Thanks