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Hi everyone,

 

I joined the site yesterday and I've been having a good look at PPI threads along with the interest calculator spreadsheets.

 

I am in the process of claiming PPI from 4 NatWest loans that my deceased parents took out in the 80s.

 

NatWest have made offers on all 4 claims but I'm not sure they've worked the interest out correctly - I have queried this with them but they've just sent me a letter repeating the same information as their offers.

 

I've used the PPI spreadsheet on here but NatWest are saying that interest is paid at 15% up to 31st March 1993 then 8% from 1st April 1993 and the spreadsheet I tried only showed 8%.

 

Is there a way I can change it to work out interest at 15%?

 

The loans were taken out in 1983, 1986, 1987 and 1988 so will all have at least 5 years interest at 15% on them.

 

If anyone can offer me any help with this I will be really grateful.

 

Thank you

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yes this is quite correct

and you are the 2nd one to point out NW are offering the correct 15% int for the period it applied

new one on use.

 

you'd have to change the rate in the formula of the statint sheet.

if you have excel that's quite easy to do

I believe when IMS21 wrote them RATE is the variable you need to change.

 

i'll look later

if you cant see it

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi dx100uk

 

I've had a look at the statint v101 spreadsheet but I can't work out how to change the formula to 15%

 

If you've got a minute would you mind having a look for me please?

 

Thank you

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Whilst CAG is down the next few days illsee if I can remember excel manipulation...

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

upload is fine just click it and check it downloads yourself is the easy way.

 

the variable RATE is what you need to find and make it 15 from 8

that's exactly the same bit I got too

these were done by me and IMS21 +10yrs ago

whilst cag is down i'll have a nose around on my server and find the notes.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Hi

Yes, changing the RATE from 8 to 15 is what I’ve been trying to do but I can’t figure out how to do it. 

Any help with this would be greatly appreciated. 

Thank you 

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It's that calc 

Look at how rate is calc'd and used in it's help on excel I can't at present

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Hi dx100

I’ve tried all sorts to change the rate, I’ve looked in help on excel but still can’t figure this out as I’m afraid I’m not trained in excel so don’t really know if it’s an easy thing to do or I’m just being thick and can’t suss it out??

I’ve even just asked an accountant - this is the reply they’ve just sent me 

“On checking the notes on the separate tab it does say not to make any changes in the grey columns J and K as this will render the calculations useless. 

We are also unable to change the rate as we can’t see where it is picking the rate up from.”

Please if anyone can help with this it would be brilliant as I would like to send the spreadsheet calculations off to Natwest.

Thank you very much for your help so far

 

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ok ive sussed it out if you look at the RATE help

its actually the calculation of the ratio of days/amount and is actually that an 8% result so tht sheet cant be adapted.you would need to change the RATE ratio calc to get 15% and would need another sheet.

I wonder if you can do it on our old blueyonder one that's around ill find it later

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

I will when the search gets working 

blueyoner and vampire I think were the members that did it

I've got old links but with all the closing of old threads going on

its painful to do a search.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Vampira

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

ok got it but the new site doesn't allow .xls

sorting it soon

old CAG PPI Calculator1.xls

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

now in my previous post

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Hi dx100

 

Thank you so much for this.

 

I've just managed to use it work out the 4 lots of interest at 15% up to 31st March 1993 and then 8% from 1st April 1993 up to today.

 

I've wrote a letter back to NatWest with all the workings out on and I've enclosed 2 spreadsheets as well so fingers crossed they will agree to my figures now 😀

 

 

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well done sorry it took so long I already had the info too!!

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
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