Halifax PPI

[CookieRocks]

Hi

 

I made a claim for Mis-sold PPI to Halfifax for my CC.

 

Initially used the FOSCI spreadsheet. Wasn't expecting any uphold, however, just received a letter upholding the claim.

 

However, the offer is 1/4 of the amount.

 

I've now got all the statements, so going through to use the FosRunning spreadsheet instead, so I can back up my reasons for their offer being too low.

 

My issue is that over the life of the CC, the interest rate has changed 10 times. How do I incorporate that into the FosRunning spreadsheet?

 

Thanks in advance for your help.

 

CookieRocks

[dx100uk]

Well you can do it by adapting the formulas

But best just use an avg

 

Is the card still active?

[CookieRocks]

Thanks for looking in DX.

 

Adapting formulas sounds tricky, is it relatively easy to do?

 

Yes the card is still active.

[dx100uk]

ok good then that's the sheet to use.

 

 

dx

[CookieRocks]

I'm not sure or confident of adapting the formulas.

 

Halifax's offer was 2.4K, if I use just the lowest interest rate of 17.9% which was what it was at the start of the card, it comes to 4K.

 

If I use an average which works out to 24.5%, it comes to 7K.

[dx100uk]

ask for a completes breakdown.

 

we certainly see rbs and yb gettjng calcs wrong

 

send them yours

ask why its so low

[mzfrfd]

Hi Cookierocks

 

Have a look at the attachments and let me know how you get on.

FosRunningPPI v102 CookieRocks Blank.xls

Cookierocks.doc

[CookieRocks]

Hi Cookierocks

 

Have a look at the attachments and let me know how you get on.

 

mzfrfd

 

Amazing! Thank you so so much for this.

 

Just had a little play around with it with a few figures, so not fully stacked up, but I'm gonna jump on it properly in a bit and populate it.

 

Can't thank you enough. I'll let you know what it comes up with.

 

You're a star

 

CookieRocks

[mzfrfd]

Your welcome CookieRocks

 

I prefer that people get paid exactly what they are owed when they have all of their statements and interest rates, so I personally would not want to forward an estimated interest rate. With the exact interest rates inserted into the spreadsheet, your totals and claim is indisputable.

 

Numbers are absolute and not subjective, and the FOSRunning spreadsheets' calculations reflect the approach used by the Ombudsman, and produce the numbers that the Ombudsman's calculations would produce. That is beyond doubt.

 

The decision of a mis-sale has already been made in your favour so I would suggest the pressure is off. All you have to do now is stick to your guns and get what is indisputably yours.

 

I tried to PM you but I have only made 23 posts and need to have made 30 to have the privilege of PM'ing people!

 

Don't forget to add any over limit fees that you may have incurred.

 

If you need any help around the spreadsheet or around anything I have written in the word doc, please give me a shout.

 

MZFRFD

[mzfrfd]

I've just checked the spreadsheet I posted up and realised I'd deleted some code from the first 2 rows. I've corrected this now.

 

Sorry!

FosRunningPPI v102 CookieRocks Blank v.01.xls