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About happycaravan

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  1. My fault Slick I thought it was worth a shot, do we just forget about the bank charges then and focus on the other two? so do we have the correct interest rates on the overdraft ppi? I have completed a compound interest spreadsheet with 24.9% interest and the PAF I have completed the spreadsheet with the 8% simple interest. Hopefully that makes sense - sorry again for the confusion
  2. Ah really? i thought i'd read on one thread a rate of 29% or something along those lines but i have seen a lot of threads so could be wrong on that! I'd appreciate your help Slick when you have a second, no rush as it's late and i wont be sorting anything this evening. Thank you as always dx
  3. Hi Slick, So we have (my friends Barclays bank account) has bank charges, overdraft ppi and also package account fees - all of which require separate claims i believe? (i have separate threads too just that dx has been helping out with them). Apologies for any confusion. I have finished spreadsheets for all 3 claims and they date back almost 20 years - the statements were provided by Barclays as a result of the SAR. Does that help? Thanks again
  4. Thank you Dx - doubting myself now but hopefully ive completed the correct spreadsheets! sure i have because i followed your advice at the time.
  5. Thanks so much Slick. I will include it anyway and see what she says about going down the court route, i think if it was me i'd take the chance but ive been there and done this so i know it's possible, asking someone to part with £900 on the off chance they might win the case is another matter. When you say above the compound interest can be included beyond 6 years, but it's different for PPI and account fee reclaims.... does that mean that we can't include anything beyond 6 years for those? Or shall i include and just expect them to 'cut off' after a certain date? Sorry for all the questions... i've thought the PPI claims could go back as far as you had the info Thank you all so much for the advice as always.
  6. Thanks dx. Yes the MCOL said over £10k it was 4.5% of the claim and that amount it works out at about £900 - today anyway obviously that will only increase. Unless I'm looking at it completely wrong? I've just found Shelley's thread and spent a while reading that with interest, and from doing so it appears that the banks don't pay interest on the charges if over 6 years old. Do i still include them all on the spreadsheet initially?
  7. Thank you again! I have finally finished all 3 sheets and have had a good couple of hours reading Martin2006's posts too - thank you for that. One for the Overdraft PPI/Protection (as they call it!) one for the Account Fees and one for the Penalty Charges. I still have to add from December to present day as the statement's they provided were up to Nov 2018 so my friend is going to get the info before i send the spreadsheets and letters off. Totals are (astonishing!) as follows: Overdraft PPI/Protection = £27,158.94 Account Fees = £4078.46 Penalty Charges = £20423.10 I was slightly stunned when i realised how much they all totalled and i know the penalty charges are not guaranteed, my main concern there is obviously they will most likely refuse and if we want to get anywhere it means spending £900 with MCOL, I'd appreciate your thoughts on the chances of success there if poss. I don't want to advise her to outlay that kind of money (if she even has it) if there is little or no chance. Glad to have got these done... still 4 more separate claims to go! i need a holiday lol
  8. Thank you dx100uk - so just to confirm, (i know you said to use the 24.9% for the overdraft ppi etc) but as i have a separate sheet for penalty charges do i use the same rate for that too?
  9. Hmmm ok i will need to get my head around that one. I am going to see my friend this evening and get some info on the account package fees i.e did she ever use any of the associated benefits etc as far as i know she isn't even aware they exist! As for the penalties how do i find out what interest rate to pop on the spreadsheet? The statements don't seem to show the detail anywhere... Thank you again
  10. Oh really? Gosh this is going to be neverending lol. I have located this thread here so will follow those instructions. So does it sound right that I am going to end up with 3 spreadsheets? one for penalty charges (I figured its worth a try), one for the overdraft PPI and one for the overdraft account fees... Thanks as always
  11. Thank you sooo much dx100uk - i have a huge pile of statements to get stuck into but on one hand can't wait to get to the end and see the total figure. Thank you again - if we get anything out of this i'll certainly be donating to help the site, i really couldn't do it without you guys.
  12. Hi again Sorry for not replying sooner, I was struck down with a nasty chest infection and haven't been online for a few days ... playing catch up now. The charges are on her Barclays bank account, going back through her statements it was originally called PPI however it is actually overdraft protection - over the years Barclays have changed its name and it now appears on her statement each month as 'overdraft ppi' - yes she is still being charged for this. I quite agree we are lucky to get the 20 years of statements - i was just asking on her behalf thats all . Could you help point me in the right direction of which spreadsheet to use? I have so many to input i'm getting worried at the amount i've got to do... Thank you so much for your help
  13. Apologies for some reason your message didn't show until just now they have sent 20 years worth, but she thinks she has probably been paying the overdraft protecttion/PPI for more than that. I think she'd probably be happy with the 20 years though to be honest and they have confirmed by letter that she has the PPI and how to complain if she wishes to, i would just feel better calculating everything the correct way. I mean do they use the same method? Thanks
  14. Hi again.... Someone also mentioned interest - but i have no idea where to find out how much interest she is being charged? (in order to add to the spreadsheet) Thank you
  15. 'Satans bank' - love that!! I will have a good look this evening and see what info i can find - would be a shame if we can't do anything when there is clear PPI on the paperwork... On another note i finished going through the statements for the PPI on the other accounts last night (around 1am actually lol) so I'm ready to move onto to a spreadsheet once i know which one to use, I have posted about that too but no replies so far. I will add that to my research list too Thank you again for the help
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