Jump to content


  • Tweets

  • Posts

    • Should have ignored them from day one    Never give them pers financial details only a judge can demand said    Send them a cca request They'll never have a signed agreement. Bye bye debt   dx    
    • As far as I'm aware the local council don't have any information on the land. I will tell her to get some legal.advice about it. Thanks for your advice it's much appreciated 
    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.    The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.    There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  I implemented a Standing Order to this effect.    Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.    I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.    thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.    As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!      I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
    • Hi not sure if I'm posting in the right place here so apologies if I'm not. I don't know if anyone can help but basically my mum has been living in her house since 1997 and there is a piece of land that she has used and looked after since moving in there.she was a tenant in the house until she bought it around 5 years ago. She has recently tried to claim the land through the land registry (possessor title I think) however she had something back from them saying her landlord from when she was renting would be allowed to claim the title for the land or she would have to start her 12 years wait again from.when she purchased the property. Is there anyone that can give some.advice on this as I don't see why her previous landlord could.claim the land when they weren't the ones looking after it. Any advice is appreciated. Thankyou
  • Recommended Topics

  • Our picks

  • Recommended Topics

Excel Contractual Interest Spreadsheet


Mindzai
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4599 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi beetlejuice. Over the weekend I will try to catch up and answer any questions that have gone unanswered so far. :)

 

Sorry, Mindzai have you had a chance to update notes yet??

 

regards

 

Beetlejuice

Link to post
Share on other sites

  • Replies 375
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I can't get my link to Mindzai's sheet to work either :confused: I've just looked at Lucid & Mindzais user profiles & they haven't posted since May & June so I dunno if they may have withdrawn their sheets or be away working on the perhaps?

 

Have you tried the sheets in the templates library instead?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

I can't get my link to Mindzai's sheet to work either :confused: I've just looked at Lucid & Mindzais user profiles & they haven't posted since May & June so I dunno if they may have withdrawn their sheets or be away working on the perhaps?

 

Have you tried the sheets in the templates library instead?

 

Try A-Z the links there seem to work for me.

 

 

BJ

Link to post
Share on other sites

  • 2 weeks later...
Why are none of these working anymore?

Dunno! Both Mindzai's & Vamps sheets don't seem to be working atm - Lot's of us have been trying to get answers on various threads but no-one seems to know why ...... ?

 

I can't get my link to Mindzai's sheet to work either :confused: I've just looked at Lucid & Mindzais user profiles & they haven't posted since May & June so I dunno if they may have withdrawn their sheets or be away working on the perhaps?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

i managed to access them and get them to work yesterday by going through google spreadsheets

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

Link to post
Share on other sites

click on templates

click on no 6 s/sheets with interest

click on vamps chambers

scroll right down to the very bottom of that page then click on google spreadsheets in bottom left hand corner-it worked fine!!

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

Link to post
Share on other sites

click on templates

click on no 6 s/sheets with interest

click on vamps chambers

scroll right down to the very bottom of that page then click on google spreadsheets in bottom left hand corner-it worked fine!!

 

Can you post the link you used please?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

i managed to access them and get them to work yesterday by going through google spreadsheets

 

ps - if you are signing into google & have already used Vamps sheets before then they will be saved in your profile - this way you can re-use one you have previously ..... The problem on the link I have is that it takes you to Vamps chambers main page & the links to individual sheets then doesn't work ... as if they have been removed. Therefore a new user can not access them if they haven't already got a copy saved in their own profile ... IYSWIM? :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

I have both the (Mindzai) spread sheets un altered, credit cards and banks but the cc needs the notes sorting(see my earlier posts) if anyone knows how to upload them to this web site i can PM them to you. (Mod /helper??)

 

I also have a version which will work out the compound interest initially on the statement rate then additionally at todays rate for "Compensatory Interest"

 

BJ

 

:cool:

Link to post
Share on other sites

WolfCat has just posted this link to Mindzai's sheet - it's one he/she personally has stored ... http://members.aol.com/wolfcat451/MinziasCompoundSheet.xls

 

I suggest if anyone wants to use this one in the future that they do a saveas onto their computer for future use.

 

:)

 

ps - this is the one for BANK ACCOUNTS ONLY

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

Can anyone help? Link to a 'how to do contractual interest' guide pls. Have grabbed spreadsheets .....and will look at those now.

 

I am back in court on Thursday (stay refused!) and thought a full contractual showdown for my other claims might be of interest to take with me. Always said I was going to do contractual but once I had got this first claim out the way. Now it seems to be an ideal opportunity but am a bit short on time so all pointers much welcome.

 

Have statements back to 1998 on one account, and have another claim in vampiresses' spread but without contractual (yet!). It would be interesting to do a pre-6 years estimate back to 1984 if there were enough hours in the day before Thurs too. Anyone at a loose end?!

 

Cheers

Donation made 12/02/07 just cos being here is the best displacement activity I've had in years

 

 

The most useful post on the whole CAG site - find what you are looking for A-Z! http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

Link to post
Share on other sites

Can anyone help? Link to a 'how to do contractual interest' guide pls. Have grabbed spreadsheets .....and will look at those now.

 

I am back in court on Thursday (stay refused!) and thought a full contractual showdown for my other claims might be of interest to take with me. Always said I was going to do contractual but once I had got this first claim out the way. Now it seems to be an ideal opportunity but am a bit short on time so all pointers much welcome.

 

Have statements back to 1998 on one account, and have another claim in vampiresses' spread but without contractual (yet!). It would be interesting to do a pre-6 years estimate back to 1984 if there were enough hours in the day before Thurs too. Anyone at a loose end?!

 

Cheers

Bank or credit card account?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • 1 month later...

I am also battling Lloyds TSB, and want to claim the contractual interest rate against them, however: Mindzai's calculation sheet makes it quite plain that it is for bank charges and *not* credit cards - and I want to make the appropriate calculations for credit cards. Does anybody know why I cannot use this sheet? I would think the principles in calculations and interest would be just the same?*If anybody has an available alternative that I can use or point me in the right direction, I would be massively appreciative.

Capital One Data Protection Act sent (15th December, 2008)

 

Barclaycard Data Protection Act sent (15th December, 2008)

 

Lloyds TSB Data Protection Act sent on three accounts - Current, Business & Credit Card (15th December, 2008)

Link to post
Share on other sites

There was a Mindzai v1.1 for Credit Cards but it has gone off the site It was okay but the notes were just copied across from the bank sheet, I tried to get Mindzai to update but he is no longer posting ( I THINK!!??) I have - following much discussion on this site under numerous threads (http://www.consumeractiongroup.co.uk/forum/mbna/73371-beetlejuice-mbna.html?highlight=beetlejuice)being one - rehashed just the calcs to give DI (Demonstratable interest and then CI/RI (Restitutional Interest) (That's you've had my money and made money on it so I couldn't arguement...).

 

With some work (and I'm up to my eyes in claims, decorating, and generally trying to stay afloat) it could be

a definitive item.

 

I can send the v1.1 and my own hash on it but it's up to you to make sure your happy with all calculations. PM if you want.

 

regards

 

BJ

 

:cool:

Link to post
Share on other sites

Just wanted to check, the version of Minzias sheet that I have (from chezt's post above) doesn't seem to total cumulative penalties or interest paid on penalties on the charges and interest sheet. Am I missing something? (there doesn't seem to be a formular in the box...)

Gareth

Me Vs Barclays - ongoing

09/11/06 - DSA letter sent

23/11/06 - Standard response received

 

Me Vs Barclaycard - not started

Me Vs GeCapital - not started

Me Vs Cahoot BA - not started

Me Vs Cahoot CC - not started

Me Vs Cahoot Loan - not started

Link to post
Share on other sites

Assuming it's the same as the one formular in the "official" sheet I should be able to cope.

Gareth

Me Vs Barclays - ongoing

09/11/06 - DSA letter sent

23/11/06 - Standard response received

 

Me Vs Barclaycard - not started

Me Vs GeCapital - not started

Me Vs Cahoot BA - not started

Me Vs Cahoot CC - not started

Me Vs Cahoot Loan - not started

Link to post
Share on other sites

Sorry, hadn't realised it was previous total + new = current total. Easy

Gareth

Me Vs Barclays - ongoing

09/11/06 - DSA letter sent

23/11/06 - Standard response received

 

Me Vs Barclaycard - not started

Me Vs GeCapital - not started

Me Vs Cahoot BA - not started

Me Vs Cahoot CC - not started

Me Vs Cahoot Loan - not started

Link to post
Share on other sites

  • 2 weeks later...
Can anyone help im looking at claiming the contractual interest but i can't find what to put on the particulars of claim, is there any text out there i need to put on in order to claim contractual interest.

 

thanks

 

robert

Here is a good link to save if you are looking for anything ...

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

Link to post
Share on other sites

  • 4 months later...
Just wanted to check, the version of Minzias sheet that I have (from chezt's post above) doesn't seem to total cumulative penalties or interest paid on penalties on the charges and interest sheet. Am I missing something? (there doesn't seem to be a formular in the box...)

 

I have managed to fix it, and have uploaded a fully functional version for download from here Mindzai's Compound Contractural Interest Spreadsheet

 

Hope this helps

 

Many thanks to Mindzai for his original work

Link to post
Share on other sites

  • 11 months later...

Hi All,

 

I just wanted to find out if anyone has a copy of a Contractual Interest Spreadsheet I could make use of to claim bank charges on hardship grounds?:|

 

The former link doesn't work as the file was uploaded to a site that has now been shut down!!

 

Thanks!!

Mint - Won! WCO not granted by court. :)

BlackHorse Loan- Won! WCO not granted. :)

 

Easy Money & More Than (Lloyds) - Won! Had been offered half of settlement prior but declined. :)

 

Capital One - Won! :)

 

BlackHorse PPI- WON £3,000, Claimed 4,500! :)

 

CitiFinancial - WON! :)

 

****************************************************************************

 

Monument - N1 Submitted Feb09

Cahoot - N1 submitted Feb09

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...