anybody? any ideas?

Have finished my spread sheet (I think) and just need some helpful soul to have a quick scan over it to make sure its correct before I take my next step. What hosting site would be best to use so I can put it in this thread? Yes I have deleted all my personal details from it!

also I would somebody be prepared to scan over my spreadsheet to make sure it is correct?

I am in the process of modifying one of the spreadsheets in the links on this site. Where you type the date/amount in and it works out the 8% interest. The only problem is, between the period of 2003-2004, I have incurred the charge amount of £18.00 exactly 7 times. I have no idea what this charge is for, can anybody help me with this, it must be a standard set charge for something. Called HSBC and being there usual un-helpful selves, they said they cant tell me what specific charges are for, I will have to write in. Is it important that the spreadsheet states exactly what this charge is for?

ok thanks, I will get on the case and work the interest out tonight and let you know if I managed to make the spreadsheet.

thanks I am going to attempt the spreadsheet when I get home from work tonight. It might take me a while because I have not used excel for years haha. The second prelim letter I have sent to HSBC informed them that if they did not give me a definative answer in 14 days that I would register my claim. So first thing I will do is attempt this spreadsheet (although it will be a nightmare for me probably) Then do I need to send another LBA or will the one I have sent already be sufficient? After all I di inform them and they said there response letter was their final answer on the matter.

Thanks for taking the time to help me! Yes I am talking about the interest that is added on at claim stage and no I have not included overdraft interest in my initial calculations. Is this interest part a necessity? Must it be included or is it just possible to include if you wish? The term LBA, what does that stand for? The 2 template (prelim) letters I have already sent, are they LBA's or is this something different? I will have a look at that link in detail thanks!

Hi everybody, my name is Phil and I am new to the site. Firstly I would like to apologise in advance for some of the questions I am going to ask in this thread, they are going to seem really silly to some of you, but I really am clueless on some parts of this whole process. I have sent 2 template letter to HSBC, used the usual methods of recorded delivery and waiting 14 days from each letter being received. The second response from Colin Langdale came today, with the usual NO as the answer (we stated our charges, complain to the Ombudsman etc) I only heard about calculating interest and claiming it back when I joined this forum, until then I heard nothing about that part. My first question is "How do I calculate my interest?" As in....whats the formula for calculating it? What info do I need to do so? Thanks!

I cant find the new thread tab lateralus, I am no stranger to forums and know how to use them, feel a bit silly but cant find the tab on this forum?

Hi everybody, I am new to the site. I have received all my statements, totalled the amount and sent the first letter to HSBC by recorded delivery. I received a reply a few days before the 14 day period, the letter informed me the matter was being 'investigated' and I would be contacted in due course. As advised on the BBC website, I responded informing them I was willing to give them a further 14 days in which to resolve the matter before I registered my claim. A few days after this Colin Langdale sent a letter of reply saying all the usual "fees are clearly stated" and "you can complain to the Ombudsman" that everybody recieves. In the letter he said that was HSBC's final response so does that mean I am able to begin my MCOL now or should I wait for the 14 days from the 2nd letter I sent? Also I am unsure of how to calculate the interest? I am claiming £1437.50 and the date of first penalty was 7th March 2001 Sorry if it seems a stupid question but I have read how to calculate it and cant get my head around it.