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Help with FosRunningPPIv102 Spreadsheet


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Hello,

I am in the early stages of preparing a claim for mis-sold Credit Card PPI and have downloaded the FosRunning v102 Spreadsheet.

Fortunately I kept my old statements so I think I have sufficient data to calculate what compensation I should be entitled to.

I'm just a little confused with how I regard late fees and overlimit charges of which I have many..

Do I include these charges in the Monthly Spend column?

Many Thanks for your help

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yes they are a spend

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no

that's why you enter their APR in the sheets box

its not a spend

its interest...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Right you are. Makes sense when I think about it...

Just thought that I would want the running balance value the same as the statements, and use it as a cross reference, but now I understand.

Thanks again!

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