Im Scared.....helppppppppp

bonnie0852 · 5th May 2007, 01:51

Hi all!!! after successfully claiming from the Halifax (far too easily) i thought the Shabbey would be the same but it seems not!!!
Im now 5 days away from filing a court claim and i havent gotta clue how to claim the 8% interest on each charge and how long this is going to drag out for??!!!
i've looked at the spreadsheet and honestly dont have a clue how to use it...... ive done my own, listing basic charges but anything more than that and im b******D!
Can someone please humour me and show me the "idiots guide" to calculating the interest and give me a "rough" timescale on how long this might take (i only ask cos ive booked someone to build me a patio with the money im claiming)

All help GREATLY appreciated!!!
Thank u
Bonnie

louis wu · 5th May 2007, 02:59

http://www.consumeractiongroup.co.uk...arges-calc.xlr

http://www.consumeractiongroup.co.uk...arges-calc.xls

These are the works and excel spreadsheets, your computer should be able to use one of them.

OK,

IN RESPECT OF..is the reason, returned cheque for example
AMOUNT...is the amount of the charge
DATE INCURRE....is the date the charge was debited from your account

Thats it, the spreadsheet works out the days since offence and interest.

Have a go and come back if you have any problems. You ma need to start again with a fresh spreadsheet

Louis

bonnie0852 · 6th May 2007, 00:53

Hi Louis, thank u first of all for replying to my thread!! I dont know if its me or my pc, but whenever i open the spreadsheet its blank........ nothing!!!????
ive clicked on the "vampiress" ones aswell and all i get is a blank spreadsheet with nothing on it apart from the "cells" i think you call them. Is it my pc or am i missing something???
Sorry for being soo dumb but im really panicing now im a few days away from filing in court.
Regards
Bonnie

louis wu · 6th May 2007, 12:37

Bonnie, PM me with your email address, and I will send you one

.

Louis

bonnie0852 · 8th May 2007, 18:09

Thank u soo much louis, your help has made me lot more confident in my next step!!! Ive tipped yr scales and signed the petetions!!! keep up the good work (and u may be hearing from me again)!!!!

Regards
Bonnie

charleyfarley · 8th May 2007, 18:20

Hi and welcome bonnie,

Louis wu is a star and will guide you through all the complicated bits. I sometimes feel a bit like the court jester in here, but the thing I would say is that I hope you don't want your patio for this summer

Abbey are stubborn and difficult and everything they do is designed to delay,obstruct and intimidate you . Ignore everyting they say about investigating your claim and timescales, and stick rigidly to the schedule of letters on here and you'll be fine

My claim is going according to plan and seems to be fairly typical so if you want to have a shufty, look here

charleyfarley v abbey ***WON***

andypal · 8th May 2007, 18:23

Hi ya Charley! I have been reading quite a lot of threads and I think that you are ABSOLUTELY RIGHT . Great advice and keep it up guys.

ANDY VS ABBEY..

louis wu · 8th May 2007, 20:32

Quote:

Originally Posted by bonnie0852

Thank u soo much louis, your help has made me lot more confident in my next step!!! Ive tipped yr scales and signed the petetions!!! keep up the good work (and u may be hearing from me again)!!!!

Regards
Bonnie

Bonnie, its been a pleasure, and its really nice its working out good for you. You'll be fine, stick with it, and we're here to help

Quote:

Louis wu is a star and will guide you through all the complicated bits

Charley, your too kind, and don't put yourself down, you give a lot of your time and give a lot of help and advice to many others.

Cheers for the vote of confidence though

Louis

bonnie0852 · 10th May 2007, 19:48

Hi all (told u u'd hear from me again)!!!! my next question is: ive done my spreadsheet with the 8% interest on it , but because im not gonna file my claim til monday how does the interest thing work??? is it on a daily basis and if so by the time my claim is in will the figures have changed ie: gone up and do they keep going up??? how does this affect the amount im orig claiming for in court??? Hope that makes sense!
Regards
Bonnie

Villafan · 10th May 2007, 20:08

Hi Bonnie,

The interest should increase automatically. It should tell you somewhere on the spreadsheet how much it's increasing daily (it does on mine but not sure which s/s you're using). Have a look at the suggested Particulars of Claim (this is the one I used) & you'll see that it mentions the rate of daily interest which can be claimed upto Judgment or settlement of the claim.

5. Money Claim On-Line (MCOL) Particulars of Claim

Hope this helps!

Villafan

bonnie0852 · 11th May 2007, 18:08

Hi Villafan, thanx 4 reply!!! i dont know if louis wu is watching cos hes the one that sent the s/s, maybe he can enlighten me???????
regards
Bonnie

Villafan · 11th May 2007, 18:14

Hi,

Quote:

i dont know if louis wu is watching cos hes the one that sent the s/s, maybe he can enlighten me???????

I'm sure he'll be along leter with some advice

VF

bonnie0852 · 11th May 2007, 18:31

i wait with baited breath cos the more i read the more i realise i havent gotta clue what im doing in relation to bundles etc...... been reading on here for a few months now and all its doing is scaring me more (im such a wuss)! just hope i dont screw it up in the translation (if u know what i mean)???
Bonnie

bonnie0852 · 11th May 2007, 19:15

HELP!!!!!!!!!! LOUIS WHERE R U??? ive uploaded my details on spreadsheet but for some reason where (i presume) u finished adding yr list of charges the "formula" stops working ie: its not calculating my days since offence or amount of interest!!

pls pls pls how can i get the formula to carry on thru all the cells and as asked before, how does the interest add up on here when im not adding any more details???? im sooooo stressed and sooo not ready for monday!!!!
Stressed out bonnie

bonnie0852 · 11th May 2007, 19:21

pps.............. had letter from Abbey today asking for ANOTHER 4 WKS to investigate my claim!!!! was expecting it but thought others should c their tactics!!! I sound soooo confident here but its all a mask hiding the fact that im pooping myelf!!!
bonnie

charleyfarley · 11th May 2007, 23:17

Hi bonnie,

You have to drag the formula down to lower cells. If you don't know what to do then Pm me or louis wu

ignore all letters from abbey re timescales they are only designed to delay and intimidate you while pretending to help you.

as louis would say...............make yourself a cup of tea, calm down , and we'll sort it out

charleyfarley · 11th May 2007, 23:27

Quote:

Originally Posted by bonnie0852

i wait with baited breath cos the more i read the more i realise i havent gotta clue what im doing in relation to bundles etc...... been reading on here for a few months now and all its doing is scaring me more (im such a wuss)! just hope i dont screw it up in the translation (if u know what i mean)???
Bonnie

Bonnie,

The other thing I would suggest is not to read too many stages ahead of where your claim is at, otherwise you end up with all sorts of possible permutations and your head will spin. You'll be thinking "what if" and not really taking in exactly how your claim is progressing and what to do next. also, pick a few threads you find which are similar to your own and follow their progress

i hope I don't sound patronising

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