Lloyds/TSB Trustcard CC from 1988

[Kholoshian]

So what you're saying is that the 7 entries that i have from line 20 to line 131 should be added up and divided to give a value for all blank entries up to line 131.

 

So; £4.77 + £6.17 + £5.81 + £6.50 + £4.92 + £4.88 + £4.52 = £37.77

then divide it by 7 to get

 

£5.40 as an average value

 

OR

 

Should it be £37.77 / 111 Lines to give £0.34 per line

 

HELP !!!!!

 

Thanks

Kholo

[BankFodder]

https://www.consumeractiongroup.co.uk/forum/profile.php?do=editpassword

 

Make sure that it's not an email service which is blocking us or directing us to your spam folders. We are having problems with Gmail and with Hotmail at the moment

[Kholoshian]

Managed to change my email address ok - got a confirmation email ok - but i don't get emails when replies are posted to this topic. Any ideas?? I'm not on Hotmail or Gmail.

 

Thanks

Kholo

[dx100uk]

£5.40

[Kholoshian]

£5.40

 

Thanks DX - That seems almost too good to be true

[BankFodder]

Replied to your email BF

 

good. At least it works but I have no idea why you're not getting notification emails. You need to check it with some IT person but start off with your spam folder. Do you have any filters which lead to immediate deletion rather than going into your deleted folder

[Kholoshian]

I'll double-check m8 - it's not a huge problem but just easier to know when to check the thread as opposed to just logging in and looking.

 

Thanks for looking into it for me

 

Cheers

Kholo

[Kholoshian]

£5.40

 

What i've done is only enter the averaged PPI amount of £5.40 back to 08/89.

It's the earliest date that we have any evidence for.

 

Short of trailing through all the old bank account statements and looking for payments to the credit card via cheque.

That could be massively time consuming and I don't know if in the end it would be an acceptable level of proof for either the Bank or the adjudicator.

 

I don't know what IS and ISN'T permissible - but i'm learning

Edited March 11, 2018 by dx100uk
spacing

[Kholoshian]

good. At least it works but I have no idea why you're not getting notification emails. You need to check it with some IT person but start off with your spam folder. Do you have any filters which lead to immediate deletion rather than going into your deleted folder

 

OK - sussed it - it was my Everycloud spam filter. CAG is now whitelisted

 

Thanks

Kholo

[Kholoshian]

On the spreadsheet StatIntSheet v101 - can i clarify a few things?

 

The claim from date is the first date i have PPI charges - is this right?

The claim to - it the running date (ie today) until the claim is established

 

What is the 'date of charge date' ?

 

Thanks Kholo

[dx100uk]

On the spreadsheet StatIntSheet v101 - can i clarify a few things?

 

The claim from date is the first date i have PPI charges - is this right? - no day after claim to date on CIsheet

The claim to - it the running date (ie today) until the claim is established - you leave alone it auto increments

 

What is the 'date of charge date' ? - same as claim from

Thanks Kholo

 

 

you are entitled to 8% statint until they settle

[Kholoshian]

you are entitled to 8% statint until they settle

 

I'd read that 8% statint wasn't always paid on CC PPI

[dx100uk]

you are entitled to 8% on the reclaimed total sum as you've been prevented from investing it and you cant claim their int to settle date.

[dx100uk]

post your sheets up

[Kholoshian]

Will do. Take good look and tell me where i've gone wrong (i'm bound to have i'm sure)

 

Thanks all

 

Kholo

[Kholoshian]

Would be happier to send by email

[dx100uk]

no private advice allowed

+ it helps others which is what cag is about if they are here

[Kholoshian]

Totally understandable. My wife was just a little concerned that the Banks watch this forum and might somehow get the upper hand.

[dx100uk]

no chance it will harm anything

[BankFodder]

Totally understandable. My wife was just a little concerned that the Banks watch this forum and might somehow get the upper hand.

 

we don't get into skulduggery here.

We try to act openly, transparently, honestly. By coincidence these are the qualities that all of the banks are unable to demonstrate – including many of their staff, unfortunately.

 

If you have a good case which will win on its merits then it doesn't matter who knows about it.

[BankFodder]

hi all. can anyone help. I had a 3000 loan with ulster bank (rbs dealing with it) of which 435 they say was ppi. the loan was from 2003-2006 and i think the interest rate was around 13%. Can anyone work it out.

 

Also i had a burtons card (santander dealing) were they offered 406.90. the ppi paid was 174.06 and was from sept 2004 to to 2006. they have reconstructed the account from 2004-aug 2005 as they said they have no transaction history. but they do have the transactions from 2005 onwards. I have sent of a SAR. Can anyone help. Thanks.

I'm sure that we can help but I'm afraid that you are in danger of hijacking somebody else's thread.

 

The way to deal with this is to start a new thread so that your story is clear and the thread belongs to you and you will get lots of help and advice.

 

Please don't be offended but I shall be deleting your post in the next 10 minutes or so once you have read this.

[Kholoshian]

Hi all,

 

Apologies if i'm posting this in the wrong area (i seem to do that alot).

 

Quick question.

I have a Lloyds Bank Trustcard CC going back to 1988.

I've been recently educated by the brilliant CAG membership that in 2009 the OFT (defunct) ruled on charges prima facie unfair and capped them at £12.

 

Are there any useful spreadsheets for calculating and claiming back these overcharges.

 

That's all folks

 

Thanks

Kholo

Edited August 11, 2018 by dx100uk
Spacing

[dx100uk]

Even if they are over not £12 you can reclaim all of them.

 

See the shelley threads or the martin2006 threads is the best way

Explain s everything

[Kholoshian]

Thanks DK100uk

 

I'll read through them if i can find them.

[dx100uk]

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