M&S Chargecard/credit card PLEASE HELP *** SUCCESS ***

[emmtay]

Hi ims

I have had another offer from them, still no where near what my figures are though! I have the spreadsheets ehich I would like you to look at, both theirs and mine...how do I upload them onto here? I know I have to blank out personal details but don't know how to do that either?!

Hope you can help again

cheers Emmtay

[ims21]

You can use this method to upload your files

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[emmtay]

Hi, ok so I take a photo on my mobile and then save it as a picture file etc.? Will give it a go but have a feeling the print might be too blurred to read!

Could be a while....will do as quick as poss!

Cheers

[emmtay]

hi

ive taken the picture on my phone, emailed it to myself, saved it as a picture, tried to open adobe reader and it says it can't read it as something to do with email?!

Tried to save it as a pfd and there isn't an option for that? Please help?! I really am not any good at theses kind of things:oops:

[emmtay]

[emmtay]

[emmtay]

Not sure if this is ok before I upload the rest? Please can you check?

Thanks

[ims21]

Download and install this...its free

 

http://www.dopdf.com/

 

You can then create PDFs on your PC by selecting this as the printer to print to. I have used it very successfully for a long time

 

ims

 

PS JPG images are always too small.

[emmtay]

doing now !

[emmtay]

M&S 1.pdf

[emmtay]

the next section of columns for same dates

Full page photo.pdf

[emmtay]

cal 25.05.12.pdf

 

This is all their figures

[emmtay]

cal 25.05.12.pdf

 

This sheet was called 'Calculator - Tail' !

[emmtay]

Calculator sheet.pdf

[emmtay]

Input Summary.pdf

[emmtay]

Statement Data- Input.pdf

[emmtay]

Summary.pdf

[emmtay]

Their letter -

 

Dear Miss .....

 

Please find attached a revised spreadsheet calculating your PPI refund.

 

The refund has been calculated in line with the guidance issued by the

Financial Services Authority (FSA).

 

The contractual rate of interest used is 18.9% and statutory interest has

been calculated at a simple rate of 8%.

 

The password to open the spreadsheet is insurance1 (case sensitive).

 

I acknowledge that we have made errors in our previous calculations which

has caused you inconvenience.

 

Therefore, I propose to offer you a compensatory payment of £200.

 

If the settlement is acceptable, please sign the attached acceptance form

and email this back to me.

 

On receipt of the acceptance, I'll arrange for the payment to be

transferred to your bank.

 

As you will be aware the Financial Ombudsman Service requested our case

papers in 2010. If you remain unhappy with our calculations and

compensatory payment you should refer our offer back to the ombudsman

quoting reference 9294985, so they can adjudicate impartially on our

proposed settlement.

 

Once again, I am sorry for any inconvenience that has been caused regarding

the assessment of your refund

[emmtay]

Acceptance form.pdf

 

Thats all their revised figures, I will put my figures on next.

I know you said to use the date the account was closed as the claim to date but I am trying to use the claim to date as the date they finally pay me. The reason I am trying to do this is because my argument is...I started this claim in 2009, when the card had a continual balance of around 9.5k, only paying the monthly D/D for the history of the card basically, and last year I borrowed money from a relative to pay the card off and stop paying them anymore interest. Had I not been able to do that, the card would still be running and in around the same figure. My point to them is that when I inititated the claim, and had it not been dragged on for so long, going through FOS, the account would have been still open. I am also asking for compensation due to them rejecting my claim which

they knew the FOS would eventually uphold, as they had offered me over 2k about 18 months ago as a settlement amount, therefore in my eyes admitting mis- selling of PPI way back then! Plus nearly 4 years of paperwork, distress, worry, recorded delivery costs, phone calls, letters, ink, paper.....etc.!

Feel better after that phew!

[emmtay]

1st sheet for CI APR 14.9.pdf

[emmtay]

1st sheet for CI APR 15.9.pdf

[ims21]

Blimey that's a lot of stuff.

 

I'll go through it tomorrow and have a look

[emmtay]

StatIntSheet%20v101(1) 2nd sheet.pdf

 

Ok, thats everything!

So, I don't have a clue what their figures mean or how they have got to them? Why are they using FSA guidlines and NOT FOS? Are they right? If they are, then what date are they calculating to, as its not clear to me:oops: If they are wrong, and I am right, please can you tell me how to explain to them that they are wrong?

I really need to get this sorted out, its starting to make me ill now:x

Thanks

Emmtay

[emmtay]

Thanks ims, I really appreciate it....I am seriously beginning to feel like my head is going to explode....speak tomorrow then, Emmtay

[emmtay]

Hi ims

Just wondered if you had chance to look at the figures yet?

Emmtay