Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Can anybody please explain to me what 'Manual Intervention' is in terms of the information disclosed in the DPA records. Can evidence of Manual intervention be detrimental to my claim? Thank you Aitchj
Manual Intervention is anything that basically isn't automatically processed on your account. It is important that you get any details of MI or more likely the lack of them, then the bank cannot turn round and say your charges were applied 'by hand' and therefore cost them lots of money to apply.
Thank you very much, that makes sense now. I do feel it is imperative to be as armed with as many of the facts as possible before venturing into these things. Thanks again.
I have noticed that a few members have sent their Natwest DPA requests to an a ddress in Edinburgh. I posted mine accompanied with £10 cheque to 135 Bishopsgate, London - as indicated on the ICO's Data Protection Register. Which is the correct address to send it to please? It might be worth me sending the request with another sheque to Edinburgh ?!?
You have sent the DPa request to Natwest's Head Office.
This is fine it will get dealt with.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
I have had trouble using the spreadsheet templates as I use a Mac. Having resigned myself to the painstaking task of entering each and every charge onto my own spreadsheet, I used the online interest calculator within the CAG site to check that the calculations shown on the example spreadsheet (for simple charges - English) were correct. The days passed tally but the interest charge differs. Not by much but that's not the point. I need to submit an ACCURATE schedule with my preliminary approach for repayment letter. How can I do this? If anyone can shed any light on this I would be very grateful.
Hi, Aitchj
I encountered the same problem and manged to work it out. Some answers are in in another thread - named Help, Vampiress!! - but, to save you time, I've copied them below. I assume you have Excel (Office X)? It will work and it saves lots of time. Otherwise, use csv, it's not too bad.
1. Regarding difficulty in getting the compound interest formula to download:
DONE IT! Albeit tortuously!
I was able to copy the formula from the highlighted cell as shown on the BOTTOM RIGHT, not in the top bar, on the 'formulas' page and enter it in to the downloaded spreadsheet on my computer. I inserted =SUM before the first bracket and - bingo! I copied the cell to the next cell down and - it was still referencing B13. B*ggr. well, I went ahead and copied a few individually, changing the reference from B13 to the appropriate cell each time (B14, 15, 16, etc), and was thinking 'this could take a while (or something like that). when I got to B20 - it suddenly got the message! the next paste automatically changed B13 to B21, then B22, and so on. I was then able to copy a bunch - half a dozen cells for starters - and they all changed appropriately!
It's only going to take a few moments, now.
So, there you are. Problem solved, no worries. Hurray!
2. Additional info:
And another thing...
Just noticed, I have to change all three of the variables manually until the program gets the idea. Then it does it automatically. Had some strange sums for a moment, there.....!
I think that £286,942,878 may exceed the Small Claims' upper limit...especially as it was for a (sample) £12 charge in 2002...!
Any other hillocks, I'll let you know.
It's working fine for me, now. Wish I had all my statements downloaded in Excel or csv format: it saves a huge amount of time.
I will give that a go now and hope that my sleeping baby doesn't wake up - I'm really chomping at the bit to get this schedule off to Natwest and recover the £7k (ish) in time for crimbo.
Can anyone please tell me which address to send my preliminary approach for repayment to ? Searched the forum - so many addresses - more confused now than when I started out. There must be a clever cookie out there somewhere with insider knowledge who can confidently give a contact name and address. I really do not want to give Natwest any excuse for delaying my claim. Many thanks
What are the chances of losing court case over £5k??
After having spent months chasing 6 years of bank statements, writing letters, compiling spreadsheets and calculating interest, I am now in a situation whereby I can proceed with my court claim. My problem now is one sceptical if slightly cautious husband who has baulked somewhat at my asking of £250 court fees (Crimbo round the corner and a baby who needs all sorts). He has followed the charges recovery process with me carefully but has raised the question "has anybody actually lost a court case?" Fair question from the man who works hard for his pennies! I know we are all upbeat and positive as we wrestle the big boys out of our hard earned cash but some facts and figures would be nice?? Can anyone help please?
Re: What are the chances of losing court case over £5k??
Originally Posted by Aitchj
After having spent months chasing 6 years of bank statements, writing letters, compiling spreadsheets and calculating interest, I am now in a situation whereby I can proceed with my court claim. My problem now is one sceptical if slightly cautious husband who has baulked somewhat at my asking of £250 court fees (Crimbo round the corner and a baby who needs all sorts). He has followed the charges recovery process with me carefully but has raised the question "has anybody actually lost a court case?" Fair question from the man who works hard for his pennies! I know we are all upbeat and positive as we wrestle the big boys out of our hard earned cash but some facts and figures would be nice?? Can anyone help please?
One person lost against NW - but he was not prepared for the case and it was before CAG was set up. The way I see it if your claim is valid and properly prepared it doesn't matter if it is £5, £5k or £50k as there is no way the banks wil lgo into a court and disclose their charges. You might have a harder battle as the staked increase - and I cannot say you will not lose cos that is always a possibility in any litigation - but hte chances of you losing are miniscule as no one has yet.
Good Luck
Oh and tell hubby that his £250 will be well invested and baby will get lots of thing s soon - and next xmas will be fantastic.
Re: What are the chances of losing court case over £5k??
Might be worth checking if you can get a fee exemption. If you or your hubby are claiming BOTH Working Tax Credit and Child Tax Credit you fill in form EX160 available on line and you don't have to pay the fees.
Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional. If you PM me for advice I will only reply in your own thread
Re: What are the chances of losing court case over £5k??
Thanks to both of you for your replies. I certainly didn't want to appear negative in asking the question in the first place - maybe had a touch of the heeby jeebies and was looking for some reassurance. Feel confident to proceed now. Thanks again
The interest accrued on my claim of penalty charges of around £4900, calculates to around £5,600. Can I still process my claim through the small claims court? Can anyone tell me please whether the claim in it's entirety needs to be under £5k or whether 8% interest and in fact the interest incurred on penalties charged remains separate? I do not really want to expose myself to the potentially high court fees of fast track - I'll stay in my comfort zone of £100 small claim fee I think! Many thanks
Only your charges are taken into consideration for allocation to the small claims track, but if charges + interest are over £5000 the court fee is £250 plus a later allocation fee of £100 for claims over £1500
Surely if I pay £250 my case will be fast tracked and exposed to the additional charges which I am trying to avoid - including Natwests court fees if I lose?
Ok, I'll trust you on this one! There seems to be a lot of confusion about this subject, and a lot of opinion, but when you get to the stage of taking your bank to court, facts are imperative aren't they? Many thanks for your help.
Maunal Intervention
The Consumer Forums
Reply With Quote
spreadsheet interest calculation query
Originally Posted by Aitchj
