I am new to this Forum and have decided to join in the hope that someone could assist me with checking a PPI settlement offer.
I have been battling with a high street bank to claim back mis sold PPI premiums on a credit card and with assistance from the Financial Ombudsman and have finally had my claim reconsidered and accepted.
My offer letter arrived two days ago though is dated 1 December 2014 and today a cheque for the settlement offer arrived.
I have tried to make sense of the letter and its explanation as to how the sum was calculated but this seems to be based on an assumed period that I have held the account which seems odd as I would have thought they would have exact records relating to this.
Having received the settlement cheque I now feel pressured into responding even though their offer letter said the settlement cheque would take 28 days to arrive, hence my post for help.
I have attached the Appendices to the letter which detail the calculation but can't really follow the logic of the calculation.
I have some records that I will look out which I believe will prove that I have had the account for more than 6 years.
In the meantime any feedback on the calculation would be most appreciated.
I have been battling with a high street bank to claim back mis sold PPI premiums on a credit card and with assistance from the Financial Ombudsman and have finally had my claim reconsidered and accepted.
My offer letter arrived two days ago though is dated 1 December 2014 and today a cheque for the settlement offer arrived.
I have tried to make sense of the letter and its explanation as to how the sum was calculated but this seems to be based on an assumed period that I have held the account which seems odd as I would have thought they would have exact records relating to this.
Having received the settlement cheque I now feel pressured into responding even though their offer letter said the settlement cheque would take 28 days to arrive, hence my post for help.
I have attached the Appendices to the letter which detail the calculation but can't really follow the logic of the calculation.
I have some records that I will look out which I believe will prove that I have had the account for more than 6 years.
In the meantime any feedback on the calculation would be most appreciated.
PPI Claim Settlement Calculation - Help Needed With Checking Calculation
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