elliesnan v nat west ** WON **

**elliesnan** · 26th December 2006 13:50

finally found it thanks to natty 4 ur help will keep you informed of our progress have done spreadsheet but need to amend as charges and service fee were lumped together! s till not sure about interrest can't get my head round how to work it out . any advice would be appreciated.

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**Rooster-UK** · 26th December 2006 16:19

Hi Elliesnan.

If you use the spreadsheet template it will calculate the interest icon

for you.

Spreadsheet Templates.

Good luck with your claim.

Regards, Rooster.

**elliesnan** · 27th December 2006 13:39

which one am i using sorry to be a pain

**elliesnan** · 27th December 2006 13:42

is it throughout claim with compounded interest icon

( vamp recommended)

**ataction** · 27th December 2006 16:49

Yes that is the recommended version. Just work you way through it.

**elliesnan** · 28th December 2006 10:32

Sorry but l have had a look and have no idea what lm supposed to be doing so im going back to my original course of action which is just to send them a list of the charges they have levied on us and ask for them back. l'm sure the spreadsheet is easy but not if you don't understand what you're supposed to do!

**ataction** · 28th December 2006 10:44

OK, try this go to the CAG icon

home page, click the on-line interest icon

calculator, and this will work out the simple interest. Very straightforward..
Good luck.

**elliesnan** · 28th December 2006 10:49

I thought i'd posted reply so i'll do it again Can't understand what i'm supposed to be doing with the spreadsheet sorry complete dummy! So going back to original idea of just claiming back my charges feel safer with that route.

**elliesnan** · 28th December 2006 11:00

Just took me back to the spreadsheets again! Never mind getting a bit frustrated over my idiocy! but l'll just claim with no interest icon

**elliesnan** · 28th December 2006 14:45

that google site a complete nightmare wont let me save anything kept cutting out gonna have to do spreadsheet by hand thinking of packing it in and not bothering need cheering up very badly!!!

**ataction** · 28th December 2006 15:37

Have you prepared a schedule of your charges? Date incurred, amount and description of penalty? Once you have this information in chronological order, then it all becomes clearer. Essentially you are claiming the charges and the interest icon

incurred on the charges.
The on line calculator on the home page does it all for you, but not contractual interest. If you want to do that go to Vampiress site and have a practice. Now remember the old adage. GIGO. Garbage in garbage out, so get it right.
Hope this helps in a non-patronizing way.

If so you can start your claim.

**elliesnan** · 28th December 2006 16:13

no iys not patronising just finding it really difficult will write out spreadsheet by hand then l know l'll be okay.not going to claim interest icon

keeping it simple.losing hope today but will try again tommorow.

**elliesnan** · 29th December 2006 17:33

okay did my spreadsheet on microsoft no probs!! am just doing pre lim letter so off in the post tommorow am sending to addy in bishopgate will let you know what reply l get wish me luck!!

**elliesnan** · 30th December 2006 16:28

As our claim is over £5000 can anyone direct me to some useful threads much appreciated

**Deller** · 30th December 2006 16:53

You should find Paul's thread very helpful.

http://www.consumeractiongroup.co.uk...s-natwest.html

**elliesnan** · 31st December 2006 15:11

cheers

**johnwilsonstorey** · 1st January 2007 13:50

I think that you dont realise how much the interest icon

over 6 years icon

adds up too. Just look at the amount of interest the bank has charged you,it does seem a shame to not claim it,perhaps you should try again to get it right.

As long as you are methodical with what you do its quite straitforward. Keep trying or ask someone else in the family how its done.
For me its usually my grandchildren who show me!

**elliesnan** · 1st January 2007 13:56

thanks john but l spent most of yesterday trying to get my head round it just do not understand it!anyway letter gone off they owe us £5531 so if we get that back we'll be well pleased L can imagine the interest icon

would be a great deal but if l cant do it so be it not computer literate enough

**Michael Browne** · 1st January 2007 16:49

Even if you are not claimng contractual interest icon

, once you file at court you can claim s69 8% interest and on £5000+ could add several hundred pounds. The spreadsheet for this is pretty straightforward and worth having a go at.

Use the Simple S/S here:

http://www.consumeractiongroup.co.uk...eadsheets.html
and guide here:
http://www.consumeractiongroup.co.uk...html#post50088

Overwrite the existing examples type of charge, amount and date.

The days since and 8% will be calculated automatically

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

**elliesnan** · 1st January 2007 17:18

thankyou lm assuming l just add the 8% on to my final figure of5531 l hope so cause if its any more complicated than that l'm in deeps**!

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