Capital one n1 claim help - Page 2

animal_lover · 29th July 2008, 13:15

Hi Ukaviator,

I was just wondering if you have managed to get that spreadsheet for me yet, as that's all i'm waiting for to finish my N1.

Thanks

ukaviator · 29th July 2008, 16:39

I sent them to you yeaterday afternoon. I will check to see if they were not delivered on the email account.

Ok sent again to the address you gave me.

Failed again, can you send me the address again please . .?

ukaviator · 29th July 2008, 19:59

It's done, wrong number on email address.

Have fun .. .

animal_lover · 29th July 2008, 20:33

opps sorry

Thanks, I'll let you know how i get on

ukaviator · 29th July 2008, 20:38

Good.. . . Enjoy . .

animal_lover · 29th July 2008, 20:54

I can't open it, it keeps saying that there was a serious error loading the data and that the document appears to be damaged.
Please try loading up a recent backup copy of the document.

That's for the one with compound and simple interest

ukaviator · 29th July 2008, 20:58

Ok.. will be a few minutes.

animal_lover · 29th July 2008, 21:40

There must be something wrong with my computer then as it still says the same thing that's if i right click and save and if i open it then it says that the file is in use or something like that. it says that on all the ones i've tried to open

ukaviator · 29th July 2008, 23:19

Have you tried saving it to the desktop, then open excel, once excel opens up, go to the left box at the top, click file open and choose the spreadsheet. It works fine here.

What version of windows, office do you have?

animal_lover · 29th July 2008, 23:31

Bingo, Thanks done it now

animal_lover · 29th July 2008, 23:53

Do you have to put all transaction details in or just charges

ukaviator · 30th July 2008, 00:42

Just the charges, as long as there was no zero balance, date, amount, reason for charge, you need to put the % Apr in the box on the 1st page, then it should work it all out.

What was wrong?

animal_lover · 30th July 2008, 00:53

I think i've done it right
For the interest on penalty is that just for the compound interest or is it for the 8% aswell on the second spreadsheet you sent me and for the amount of interest charged is that just the interest they have added and it works it out between purchases, cash withdrawal etc

Plus also for the interest on my Welcome one the interest isn't added on the same day as the charges were does that matter? as i'm not sure if it's interest on my loan, ppi or charges.

I just wanted to clear it up so i know what i'm doing

Thanks

ukaviator · 30th July 2008, 01:01

The interest on the spreadsheet works out compound interest, you can't claim the 8% as well, although a few people have managed to do that.

The interest is added to each charge in turn, then totalled up as you go through filling in the boxes.

As the credit card companies won't tell us how they arrive at the figures, we have to use the calculator to get as close as we can. As long as you have the charges, APR, and date taken, it will work out the amount very accurately. After all, it is what they have charged you in the first place.

I have not heard of any problems with the spreadsheets for compound interest on here.

animal_lover · 30th July 2008, 01:10

ok well for the Welcome charges there are less charges than there is interest added so should i leave them off and just do the compound interest. or should i add them all and put all the dates added and see what happens.

ukaviator · 30th July 2008, 01:15

That can happen, if the charges are from some time ago, then the interest added at a high rate of APR can be higher than the charges themselves at the end.

You put in the date, reason, amount of charge, it will give you the days passed, and the amount with interest added. It is nt unusual for the interest to be higher than the charge, as it is compounded over time.

animal_lover · 30th July 2008, 01:25

Sorry i meant to say that there are less charges of interest than actual charges as in number of charges not amount. There are only 9 charges of interest and 10 seperate charges has been added.

I'm confusing myself now

I've done the date, APR, reason and amount of the penalty it's just the interest under G that i need to figure out. should i put all interest in there with the dates.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit--	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki