Providian/Monument/Barclaycard payment break plan **WON +£11k from Barclaycard**

[dx100uk]

good idea

 

i'd also refrain from using their cq

 

it tends to be written with loaded questions to trick you out.

 

use the fos cq.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

but lets get all the statement

 

and do the spreadsheet first.

 

dx

[Disco_V_rescue]

Thank you dx, I will post the SAR today and start proceedings, updating here as and when I have news

 

Impatiently waiting for return of SAR...............

 

posted 16th Feb

[theoldrouge]

They have 40 days so patience required

 

will be worth it in the end

[Disco_V_rescue]

30th day today and counting!!!!

 

Day 43 and still no reply...........

[dx100uk]

give it until the end of the week re bank holiday etc

[Disco_V_rescue]

Day 50 today and still no reply, that's including sat/Sundays and the bank holiday days, 34 days if I take those out

[Disco_V_rescue]

Still no sign of a reply to SAR, 72 days now count sat/sun and BH, 50 days just counting working days.............What should my next step be? It's probably worth mentioning that silly me didn't send it recorded or signed for

[dx100uk]

no harm in ringing BC and asking

[Disco_V_rescue]

FINALLY!!!!!!

 

 

After many phone calls,

a further SAR application being made online and a visit to my local branch to collect a document...

....I mean a parcel !!

 

 

I am now in possession of the statements I requested..

...well......some of them,

 

 

despite the account being opened sept 2000,

the earliest statement they have sent is aug 2003,

of the 34 copy statements missing I only have 7 originals myself,

I guess thats as far as they can go back.

 

I think I should work out the figure next,

 

 

can anyone advise please?

[dx100uk]

CIsheet post 3 link

[Disco_V_rescue]

Thank you dx,

 

the interest shows on the statement as -

 

merchandise interest at 1.583% per month - is this x12 to get the APR?

 

also - do I leave the claim to date as today for now?

[dx100uk]

no.

 

 

http://www.stoozing.com/calculator/apr-rate-converter.php

[Disco_V_rescue]

Thanks dx, should I use compounded or non compounded?

[dx100uk]

Cisheet

[Disco_V_rescue]

I've used the stoozing calc, when I entered the monthly int rate of 1.583 it gave me 2 values compounded and non compounded, I wondered which one do I put into the APR box on the CIsheet?

[dx100uk]

use the avg .

 

 

dx

[Disco_V_rescue]

I've attached my completed CIsheets, 4 in total, 1 for each slight interest rate change from time to time, I did use the compounded value that the stoozing converter gave me, I'm wondering now should I change to the non compounded rate

23012006-18092014 int 1.873 per month.pdf

20102014-22042015 int 1.870 per month.pdf

23102004-23122005 int 1.666 per month.pdf

24012001-23092004 int 1.583 per month.pdf

[dx100uk]

use one sheet at an avg APR.

[Disco_V_rescue]

Thank you -

 

monthly interest rates converted gives me -

 

(compounded) -

20.74

21.93

24.94

24.9

92.51 divided by 4 = avg of 23.12

 

(non compounded) -

19.01

20.01

22.5

22.46

83.98 divided by 4 = avg of 20.99

 

should I enter 23.12 compounded or 20.99 non compounded?

 

sorry for all the questions but I want to be sure its correct

[dx100uk]

how about 22%

 

 

it has not got to be exact as its only a guestimation.

they'll do the calcs,

 

 

dx

[Disco_V_rescue]

Oh I see

 

What can I do about the earlier missing statements, despite the account being opened sept 2000, the earliest statement they have sent is aug 2003,

of the 34 copy statements missing I only have 7 originals myself

[dx100uk]

for the missing months

you use and avg of all the ROP figures you do know

[Disco_V_rescue]

thanks dx

 

once the CIsheet is completed, what should I do next?

 

also will the 8% interest apply, if so how do I calculate?

[dx100uk]

no you cant claim both.

 

 

FOS CQ done yet?

[Disco_V_rescue]

no not yet,

 

barclays sent me one of their questionnaires but you advised earlier not to use that one