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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | |
26th June 2006, 15:28
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#81 (permalink)
| | Platinum Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by ROB_5 Cool, only taken 4 days so far !!!!
So just to confirm i'm doing it right --- | Put all of the interest charges one after the other - there shouldn't be any gaps in either list, and there is no need for the charges to align with the interest. You will almost certainly end up with the right hand list being shorter that the lefthand one. That's OK.  |
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26th June 2006, 15:35
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#82 (permalink)
| | Platinum Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by thewifeandI Put all of the interest charges one after the other - there shouldn't be any gaps in either list, and there is no need for the charges to align with the interest. You will almost certainly end up with the right hand list being shorter that the lefthand one. That's OK.  | When you delete an entry, only delete what's in the blue boxes otherwise you will lose the formula that calculates the amount of interest. Best bet is to open a brand new copy of the spreadsheet in a new window, then copy and paste the blue box entries from left side of the old sheet to the new one - don't copy anything that isn't in a blue box. Once you've done that start entering your interest data into the right side of the new sheet, starting from the first blue row and entering each item on a new line directly below the previous one. Once this is all done save this version of the sheet with a new name and use this one from now on. The old one can be deleted once you have all the data in the new sheet and it has been saved.
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Jeep (The Wife & I) Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06 Halifax joint a/c new charges £1100 - LBA sent 02/08/06 Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk! |
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26th June 2006, 16:23
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#83 (permalink)
| | Basic Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by thewifeandI When you delete an entry, only delete what's in the blue boxes otherwise you will lose the formula that calculates the amount of interest. | Haha Spot on. Done that twice already.
Anyway thanks for your help again. Got to pop out for a bit but i'll post up a bit of what ive done later if you wouldnt mind taking a quick look.
Cheers
Rob |
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26th June 2006, 16:51
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#84 (permalink)
| | Basic Account Customer | Re: Spreadsheet with interest Hi all,
I'm struggling to figure out how to get around the issue of the blank interest field if my account is in credit at the end of the month! ie: Period ending 30/03/2001 - Interest charged £17.41 - End Balance £420.60
But the interest field remains blank??!!!
Can anyone give me a deffinative answer to this? I'm getting balder by the minute
Ta very much
Last edited by Kai-Boshed; 18th April 2008 at 12:04.
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26th June 2006, 16:59
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#85 (permalink)
| | Platinum Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by Kai-Boshed Hi all,
I'm struggling to figure out how to get around the issue of the blank interest field if my account is in credit at the end of the month!
ie: Period ending 30/03/2001 - Interest charged £17.41 - End Balance £420.60
But the interest field remains blank??!!!
Can anyone give me a deffinative answer to this? I'm getting balder by the minute
Ta very much | I have done this by looking back through the month in question and entering the highest overdrawn balance in that month. If there isn't one, then your interest may be charged a month in arrears (does it say something like 'Interest Debited as Notified' on your statement?), in which case it itsn't the current month but the previous one that you have to look at. |
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26th June 2006, 17:02
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#86 (permalink)
| | Basic Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by thewifeandI If there isn't one, then your interest may be charged a month in arrears (does it say something like 'Interest Debited as Notified' on your statement?), in which case it itsn't the current month but the previous one that you have to look at. | Bugger !! Time to start again!!! |
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26th June 2006, 17:03
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#87 (permalink)
| | Platinum Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by ROB_5 Bugger !! Time to start again!!! | Sorry, I don't make the rules...  |
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26th June 2006, 17:27
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#88 (permalink)
| | Basic Account Customer | Re: Spreadsheet with interest thanks for that....... job done!
Next question........... in the following months I do not appear to have inccured any charges, however I still seem to have paid interest........ but int the interest column, it seems to have stopped working out the total and duplicating the amount instead;
30/01/2001 15.13 -975.80 3.95 02/02/2001 16.67 -1,116.92 3.81 30/03/2001 17.41 -1,116.92 4.60 30/04/2002 0.45 -36.72 0.45 30/05/2002 0.44 -37.16 0.44 01/07/2002 0.43 -37.59 0.43 30/07/2002 0.45 -38.04 0.45
Any Ideas??  |
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26th June 2006, 17:39
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#91 (permalink)
| | Platinum Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by Kai-Boshed 30/01/2001 15.13 -975.80 3.95
02/02/2001 16.67 -1,116.92 3.81
30/03/2001 17.41 -1,116.92 4.60
30/04/2002 0.45 -36.72 0.45
30/05/2002 0.44 -37.16 0.44
01/07/2002 0.43 -37.59 0.43
30/07/2002 0.45 -38.04 0.45 | That looks OK. When your overdraft reduced almost all of it would have been due to charges, whereas when there was a far larger overdraft, only a small part was due to charges (if you see what I mean). You can check this by looking at the running total of charges where the charge date is after 30/04/2002 for the first time - this will almost certainly be more than the size of the overdraft (more than £36.72) - if so, all is OK. |
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27th June 2006, 13:52
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#92 (permalink)
| | Basic Account Customer | Re: Spreadsheet with interest Another prob:
Think im doing it right but, whatever amount i put into the "interset charged" column it transfers it across to the "interest on penalties" column ??
Help !!! |
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27th June 2006, 14:04
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#95 (permalink)
| | Platinum Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by taylormandy Hi I also need some help with the spreadsheet. I am filing my moneyclaim today and am having trouble with the 8% interest page as shown here: 00/01/190000/01/19000.000.0000/01/19000.000.0017.02.2000cheque card misuse fee17.50#VALUE!00/01/19000.000.0017.02.2000unpaid direct debit fee25.00#VALUE!00/01/19000.000.0018.02.2000unpaid direct debit fee25.00#VALUE!00/01/19000.000.0029.02.2000unauthorised o/d fee 10.00#VALUE!29.2.20000.00#VALUE!31.3.2000unauthorised o/d fee 10.00#VALUE!31.3.20000.00#VALUE!
Please can you tell me what I am doing wtong. Thank You. | Hi - it looks like the problem is due to the dates not being filled in, although it is very hard to tell from the way it is pasted into your post. All your dates are showing as 00/01/1900 - overwite these with the date the charge came out on your statements. |
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27th June 2006, 14:48
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#96 (permalink)
| | Basic Account Customer | Re: Spreadsheet with interest Quote: |
Originally Posted by thewifeandI From the first line of interest I would expect to see about 13p being due to charges (£30 out of £90). By 28th Feb, all of the overdraft is due to charges, so the rest looks OK. For the sake of 30p I wouldn't worry about it too much - you can always overwrite the result for the first row with 13p to 'fix' it. I'm not sure why the calculation isn't working though.
You could try highlighting the righthand blue and yellow columns from a blank line lower down and copying it to the top line. Re-enter the values for the top line and see if that fixes the calculation - it might have been corrupted for some reason. | Thanks for reply.
I've noticed that if i do the rows 1 at a time right the way across then the final "interest on penalties" is right (13p on 1st row),, but when i add the next penalty (17 jan - £30) and (25 jan - 35) because the culmalative charges go up, then the "interest on penalties" goes up.
So, the actual charges for Jan were £95. The highest i was overdrawn in Dec (the month previous) was -£90.06.
This sound right?
Rob
Last edited by ROB_5; 27th June 2006 at 14:50.
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