Spreadsheet with interest

[wednesday1867]

Phatram, this is what i did,

Open up the spreadsheet kind you need, compound, contractual or 8%, preferbly one you dont use anymore.

When the spreadsheet opens, click on "Revisions" go back to the earliest date you can.(Hopefully this will be a time before a formula was deleted, so should give you a working spreadsheet)

Copy it and rename it, i renamed mine Blank Such and Such. You can find the copy button, by clicking on file.

Then you have a blank template to copy from all the time, everytime you need another spreadsheet, just do another copy of the blank one.

Hope this helps

[hsbcfiddled]

Any suggestions as to how i calculate the APR and is it possible to pay 4 weekly not monthly?

[sund1ata]

Errm... I'm attempting to calculate compound interest on a credit card, but none of Vampiress' sheets are up - they are 404'd. I have spent a lot of time on the forum looking for alternatives, or alternate locations but cannot find any. Can anyone help me out? Cheers.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[nyc_lond10]

Anyone know whats going on: I have a problem with the advanced spreadsheet - everymonth I add on th enew interest and let the spreadsheet make the new calcualtion by draggin down the cells, however for some reason a new calcualtion cant be made...i cant see the formula either...any idea whats goign on...? should i just download a new spreadsheet....?

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[phatram]

Originally Posted by sund1ata

Errm... I'm attempting to calculate compound interest on a credit card, but none of Vampiress' sheets are up - they are 404'd. I have spent a lot of time on the forum looking for alternatives, or alternate locations but cannot find any. Can anyone help me out? Cheers.

bump

[checkoutdolly]

same problem as you when it comes to opening them

[phatram]

Perhaps you could PM a MOD?

[checkoutdolly]

have just done so good idea of yours will see if it does any good am stumped without a spreadsheet

[alanfromderby]

Unfortunately we have no control whatsoever over the spreadsheets posted by VAMPIRESS. However, CAG spreadsheets are available and linked from page one of this thread - or via the Bank Template Library.

[andrew1]

They look suspiciously like Vamps spreadsheets to me

[mackerel]

Hello

I'm trying to figure out how to use the advanced spreadsheet to get my charges back from barclaycard with penalty charge interest.

There are a couple of things i need someone to point out for me:

1) Column I, the 'Amount Paid' - i get that from the next months statement, yes? And if i paid nothing, i assume i enter a zero?

2) In the sample data in the spreadsheet, under column G 'Interest Charged' it has a flate rate of 12.50 for every row. I'm trying to figure out what interest i enter for this cell from my statements, as it mentions interest in a few places:
* purchase interest
* "interest on your standard balance"
* "interest on your cash balance"
* "next months estimated interest"
I think i need to enter the purchase interest in column G. But is it normal for this to change - from 2002 to 2004 it's 1.385, then from 2004 onwards it's 1.456 and in the most recent statements 1.527. I assume i update the cell whenever this interest increases? Or do i enter the £ amount of interest charged?

Thanks a lot in advance

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[nyc_lond10]

Hi - Not sure if anyone can help but here it goes - I downloaded the spreadsheets (advanced) and for the most everything works - however I have noticed that as I am dragging down the formula, the further time elapses, that for whatever reason, the formula wasnt calculating anymore - i know it doesnt make much sense, but i was wondering if anyone knew, or had similar problems....? Secondly, i realize the calcualtions are meant to figure out what portion of the overdraft is interest, what happens when interest rate charges go up....is this reflected in the calculations?

Can anyone help?

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[mackerel]

Hello

I'm still hoping someone can help with some answers to my post 2 up - waiting to fill out the complex spreadsheet but still don't understand what interest to use - some posts say to enter 27.9%, but i don't see that on my statements anywhere. And i'm still not sure whether to enter a percentage value, or the £ value. If it's the £ value - do i need to enter them both (i get charged interest in my statements twice: interest on standard balance @ 1.385%, and interest on cash balance at 1.462%)?

Please help!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[mackerel]

Also, if i have a statement for a month with no charges on it, do i enter that statement in the spreadsheet - just the date of the statement and the statement balance?

[TideTurner]

Mackerel,

Telephone the bank and ask for the interest rate which is currently being applied to the account. Use this in the spreadsheet.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[sheriehartill]

ooops I sorry for this .. Wrong post wrong place

[yellowplum]

I'm a little stumped if someone can offer some guidance here...I have read through the documentation pertaining to credit card charges and interest levied on those charges - I have downloaded the advanced spreadsheet but I am still at a loss as to what information to enter.

1.Do I enter each statement concurrently I have regardless of charges? So Jan, Feb, Mar, etc?
2.What do I enter as the statement balance? I understand from the documentation that I do not enter the balance from last statement but what do I enter? The entire balance of the given statement?
3.If I didn’t pay anything in a given month I enter zero, however if I paid something on the Jan statement but it won’t show until Feb as a credit do I enter it as amount paid in Jan? Or Feb?

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Tilerdon]

This thread appears to have died, is there a reason?I'm trying to use the Credit Card England Advanced spreadsheet but like other previous posters I'm confused as to what figures to enter.I can see that there are some spurios pieces of data in the template that need to be removed before using it .But is there anyone on the site who really knows howe to use it?

[essential_mixer]

tilderdon,
you literally put in the figures as they are in each statement. there are notes in the spreadsheet itself.

then when you send your letter before action to the credit card company you request repayment of penalty charged + interest on penalties.

if they refuse to pay this, when you apply to court you add on the interest in the 8% interest section. hope that helps.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Tilerdon]

Thanks Essential I have successfully used the Bank Charges Advanced Spreadsheet but I have five figures on my Credit Card Statement - Previous Balance, Payments, Spending, Interest and New Balance which of these figures do i actually use. And can anyone tell me how to get the formatting to work in this editor

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.