VAMPIRESS AND MINDZAI SHEETS

I was just doing a final check today on spread sheets and have noted that maybe, some formulas are wrong using the above authors sheets. I Downloaded v18 of mindzai and vamps compounded contractual interest just before christmas, both sheets gave the same answer which was good, however, I loaded a new vamp compounded contractual today submitting the same figures and got a different answer. the formulas to question in vamps sheet are:

to day showing =(B13*(1+($B$7/365))^($B$6-C13))-B13

before christmas showing =(B13*(1+$B$7)^(($B$6-C13)/365))-B13

Have vamps sheets been updated or is something wrong

VAMPIRESS AND MINDZAI SHEETS

I was just doing a final check today on spread sheets and have noted that maybe, some formulas are wrong using the above authors sheets. I Downloaded v18 of mindzai and vamps compounded contractual interest just before christmas, both sheets gave the same answer which was good, however, I loaded a new vamp compounded contractual today submitting the same figures and got a different answer. the formulas to question in vamps sheet are:

to day showing =(B13*(1+($B$7/365))^($B$6-C13))-B13

before christmas showing =(B13*(1+$B$7)^(($B$6-C13)/365))-B13

Have vamps sheets been updated or is something wrong

thankyou natweststaffmember thats it for now, I am working on my lba

many thanks

does anyone know

my prelim quotes 14 days to respond, does 14 days mean working days or does it include weekends

thanks

can anyone tell me, can natwest recall agreed overdrafts during a claim

edited down a req

thanks natweststaffmember

hi everyone

Hope you all had a lovely Christmas, now let the fun begin with NatWest

prelim ready for posting on the 8th Jan 2007, can someone just check it for me, all help greatlty appreciated

thanks

What I require

I calculate that, as at today’s date, you have taken a total of £1818.00 in charges. In addition, I also claim Contractual Interest (compounded) under the principle of mutuality and reciprocity in our contract. As Natwest Bank has taken unlawful charges from my account, this constitutes unauthorised borrowing – thus, the rate of Contractual Interest used is the bank’s unauthorised borrowing rate. The standard rate of unauthorised borrowing set by Natwest Bank is 29.65%, therefore this rate is added to the above amounts and the breakdown is shown on the enclosed schedule. I calculate the Contractual Interest element to 8th January 2007 at £1934.39. Therefore the total amount owed as of today’s date is £3752.39. Please be aware interest is accruing on a daily basis.

Furthermore, any offers of partial goodwill payments will be accepted only on the basis that it is in lieu of the full amount and is NOT considered to be a FULL and FINAL.

hi all

i am a newbie, currently sorting out barclays for my girlfriend (seperate thread for barclays) and NatWest for me.

both sets of statement recieved currently getting prelim ready for both

In this thread i will stick to mine NatWest.

Charges so far calculated £1818.00 and going for compound contractual interest.

If i can just say Vamps spreadies are brill and well worth a look.

All help greatly appreciated... ttfn

thanx dunnie1

well, i recieved the statements for free, i am now writing prelim asking for the money back, does anyone know of wording ammendment for claiming contractual interest

many thanks

Thanx spotty

Gazzard41 vs Barclays Bank

Hi everyone new to all this, and have just started so here goes.

Sent S.A.R - (Subject Access Request) December and recieved letter this morning read as follows:

Dear ######

Data Protection Act

We refer to your letter dated ## December, which was passed to this department for commentdue to your request for certain infomation, relating to bank charges, under the terms of the Data Protection Act ["the Data Protection Act"].

Please be aware that the Bank is not under an obligation to present infomation according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you within the next 10 days without charge on this occasion. As the bank is providing the copy statements on a complimentary basis your payment is returned herewith. We should advise however, that some statement information arising from the period prior to and possibly during 1999 to 2000 is manually stored in the form of microfiche and does not fall within the data subject access provisions of the Data Protection Act.

As regards your mention of "manual intervention", the DPA does not oblige the bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data" under the DPA and therforewould not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record infomation in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention.

Yours sincerely

bla bla

Manager, Barclays Data Protection.

Is the above the normal bla or should I be concerned.

Any help is much appreciated.