Claiming back charges where do i start?! - Page 5

tyshamitdeb · 29th March 2007, 01:04

Thanks again michael how do i work out the 8% interest? i did try to do the spread sheet on here but it would not come up on screen when i clicked on the link it come up something about microsoft and took me to their website

GuidoT · 29th March 2007, 08:07

Post 78 spot on and should keep a copy of everything.

This is probably the spreadsheet you have located to calculate interest:
http://www.cag-files.co.uk/barracad/...arges-calc.xls

It maybe the you do not have Excel on your computer, if you have access to another computer then try opening on that or alternatively try this, allthough not recommended and cumbersome:
http://www.consumeractiongroup.co.uk/chargeinterest.php

tyshamitdeb · 29th March 2007, 12:32

Thank you again Guido T Yes that is the spreadsheet i tried to get but it takes me to microsoft's website i thought i had excel on here could be wrong tho! can i use that other link you have given me to get the 8% interest if i just type in the date of the first charge and the last charge? i cant understand how it can work it out just by giving those two dates?

Thank you

Michael Browne · 29th March 2007, 19:35

Use the on-line calculator here:

http://www.moneysavingexpert.com/cgi...4632,#interest

1 You can't save it,so when you have entered all your charges print off several copies.

2. You can't enter the type of charge, so you must do this by hand on the printout.

3. Since you can't save it and therefore update the interest, do it as close to the date you file as possible.

tyshamitdeb · 29th March 2007, 20:10

Thank you michael! i shall get cracking on this over the weekend i shall prob have another question soon though!

tyshamitdeb · 31st March 2007, 19:11

Ok 2 questions first i started to put in the charges in the link that michael gave me and it says that on £60 of charges the calculator works it out that it is £19 of interest just on £60 is that right????? is this 8%?

Also i cant see how im going to do this anyway because i havent got a printer? i was going to copy the list of interest and paste it into an email for a friend to print out but when i gave it a try it dont really come out right in the email?????

Any advice?

Thank you

Michael Browne · 31st March 2007, 19:22

Quote:

the calculator works it out that it is £19 of interest just on £60 is that right????? is this 8%?

Depends when the charge dates from. 8% on a £60 charge from around May 2003 would be about £19

Quote:

i was going to copy the list of interest and paste it into an email for a friend to print out but when i gave it a try it dont really come out right in the email?????

Type them into a Word document then email that file as an attachment.

tyshamitdeb · 31st March 2007, 19:28

Quote:

Originally Posted by Michael Browne

Depends when the charge dates from. 8% on a £60 charge from around May 2003 would be about £19

Type them into a Word document then email that file as an attachment.

Yes thats right michael my first charge of £60 was in feb 2003 that explains that thank you!

Now i havent got a clue how to type them into a word document?! do you mean i can get a blank document from microsoft works and email it that way? but how do i do the layout of it?

tyshamitdeb · 31st March 2007, 19:50

Thank you for your help michael much appreciated

tyshamitdeb · 1st April 2007, 18:37

Hi All

Ok ive worked out using the calculator link that micheal gave me what the 8% interest is on each charge and wrote it down because seeing as i cant print them off i will need to put it onto a blank document i take it? i am still not sure weather to file online or fill out a N1 from the court?

This is still all really confusing??!!!!! any advice?

Thank you!

I also managed to find out the year i opened the account it was 1997

Michael Browne · 1st April 2007, 18:43

This may help:
Getting MCOL Right

tyshamitdeb · 1st April 2007, 18:55

Thank you micheal i might give it a try i can always file using the N1 from the court if i have trouble as long as i dont hit the submit button!

tyshamitdeb · 1st April 2007, 23:19

Already having problems with MCOL only got as far as my address! it said warning that i wasnt entering correct information?! i might just use the N1 from the court il ring them tomorrow

pommy190780 · 2nd April 2007, 10:37

Hi
It is probably a better idea to file directly at the court anyway as you can adequately particularise your POCS and you can include your schedule of charges. The N1 form is on this site in the Bank Templates Library and you can complete the form and send to the courts. Plus it will be all typed up then and look a lot more professional.

tyshamitdeb · 3rd April 2007, 18:25

Thank you pommy190780 the court have sent me the N1 form which i am going to send out asap

tyshamitdeb · 4th April 2007, 19:53

Hi All

Another question as micheal said i should work out the 8% as close to the date i file which isnt going to be till after easter now it will be sometime next week but as ive just been on the calculator link to work it out one of the figures came out as £3.6 what is that?????

Thank you!

Michael Browne · 4th April 2007, 19:57

£3.60 probably

tyshamitdeb · 4th April 2007, 20:01

Thank you micheal i didnt know if it was £3.06 or £3.60 the calculator was playing up a min ago it was saying NAN where its suppose to tell you the interest?

tyshamitdeb · 4th April 2007, 20:05

Would it be ok to work the interest out now? i wont be filing my claim until the end of next week

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 N.B. Please note - due to postage costs these products are only available in the U.K.