Please help for an old lady

[chezt]

Ok Chez,

How do I calculate what figure I put in here?

If there are 8 charges in any one month, what figure do I put against eahc charge in this column?

 

Treat the colums as seperate information ... ie charges on one side ... interest on another.

 

list all charges seperately against the date they were taken .(on the left) .. then the interest (which is only taken once a month) goes in the other column (on the right)

 

Hope this makes sense ... it's all confusing at first but once it clicks it clicks!!

[Destinyofsouls]

Are we talkinf bout the same spready?

I am using the o5 contractual from the link Bill sent in post 90

[bill-k]

Destiny (& Chez !!) - Sorry for delay - been a bit busy. I got the spready and it is fine. The figures are correct in columns A to E, so well done.

 

It looks like you've got the idea in columns F & G, too, so keep going with those.

Column F: This is the date that the monthly overdraft interest was actually debited from the account.

Column G: This is the total amount of monthly overdraft interest actually debited on the date in F.

Column H: Take a look at the account balance on the statement for that month, and make a rough, but reasonable guess as to how much the account was overdrawn by most of that time. If in doubt, then just put the overdrawn balance at the date given in F.

Column I: Leave blank unless there was a level of interest-free overdraft on the account. If you're not sure, then leave blank.

Columns J & K work themselves out as you go along, so DO NOT put anything in these.

 

Chez - thanks for explaining things to Destiny, here !!

[chezt]

Sorry I went out & have only just got back on here tonight ... hope you are sorted now DOS ... I've used the spreadies from the Vamps chambers in google ...where Bill is known as Batty!

[bill-k]

Sorry Chez !! It's an Excel version of the same sheet.

I've been posting this up everywhere I can:-

 

Just an announcement from Batty Bill here. Vampiress has announced that her Google Chambers will be closed for a while, as they are undergoing a "Re-Vamp"

Mindzai's spreadsheet will not be affected by this, and should still be available.

 

For those needing compound interest spreadies, this is available for download, along with Excel versions of Vamp's Recommended #5 and #16 spreadies here:

 

http://www.cagmembers.go2.to/

Spready guide:

http://www.consumeractiongroup.co.uk/forum/post-50088.html

 

Beginners' Steps:-

http://www.consumeractiongroup.co.uk/forum/post-475208.html

Trouble finding stuff? Michael Browne's A-Z Guide:-

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

[Destinyofsouls]

Bill

Thank you, great explanation.

I have sent you the s/sheet again with the balance column filled in. Still unsure about 2 columns

 

The figure has jumped from £6,457 to over £13,000!! Has anyone successfully claimed this interest?

[bill-k]

Spready's looking good, Destiny. Not sure about wins of this amount - some mods will know, I'm sure, so maybe we'll get an input on that, later. Once we've got a spready finished and checked, I would like to ask Vamp to look in on this, and also ask if BF can think about taking this on as a "Cause Celebre."

 

I believe this should be settled by the bank early, as the adverse publicity of taking it to court will do them no good. But we must be prepared to negotiate, too, if we want early settlement, IMHO.

[Destinyofsouls]

Bill,

That's it, the s/sheet is complete now.

[chezt]

Hi Guys! Bill I didn't realise you had downloaded the google sheets into excel mate! Whenever I've tried to export from the chambers it always messes up the formula etc so I just use/store them online now - works fab for me that way!

 

DOS glad it sounds like you're finally sorted with your spready ... the contractual interest certainly increases the claim doesn't it!

 

Good luck & well done so far!

[sarahpp]

Well done on completing the spreadie guys!

 

I don't know if it helps but, I have a claim about to go in for around 10k, most of which is C.I. The banks have been paying out large amounts with simple interest and I have a feeling that the way it will go with this is that they will pay out the charges + 8% and consider that to be the end of the matter. However, none of them seem to have a credible defence to the contractual argument so, with the fantastic work that is going on in other threads I am hopeful that eventually, they will pay out.

[bill-k]

Bill,

That's it, the s/sheet is complete now.

Sorry, I thought it was still an unfinished symphony, as there were interest charges only from line 16 to line 45. It's just dawned on me that this is ALL the interest charges! OK - I'll re-check it, now.

Hi Guys! Bill I didn't realise you had downloaded the google sheets into excel mate! Whenever I've tried to export from the chambers it always messes up the formula etc so I just use/store them online now - works fab for me that way!

Aaaw - sorry, Chezzie !! What with all the help you give peeps with spreadies, I shoulda told you FIRST - not LAST. Real soz, mate !!

DOS glad it sounds like you're finally sorted with your spready ... the contractual interest certainly increases the claim doesn't it!

Don't it just !!

Good luck & well done so far!

Sarah - be interesting to see how yours progresses. Thanks for that, and the encouragement it brings !!

[Destinyofsouls]

Thanks Bill

And thanks Chez for your invaluable input as well.

[chezt]

Aaaw - sorry, Chezzie !! What with all the help you give peeps with spreadies, I shoulda told you FIRST - not LAST. Real soz, mate !!

hey that's ok Bill ... nay worries!

 

Thanks Bill

And thanks Chez for your invaluable input as well.

 

you are VERY welcome

[bill-k]

you are VERY welcome

Ditto

[Destinyofsouls]

Just a quickie

 

When it goes to the court summons, can Dotty claim BOTH contractual AND 8% s.69?

[Guest willowb]

No, but it's best to have the spreadies done for both so that if contractual is not agreed to then the statutory claim of interest is ready for the Judge.

 

Wxxx

[bill-k]

Destiny - in case you're worried - I've been a bit busy with things today, but I will have that spready ready soon. There are a few problems with the interest charges columns to iron out, but there often are with these, so don't worry. I'll be back......

 

Oh - and I'll generate a statutory 8% one for you as well, so it's ready if you need it.

[Destinyofsouls]

Thanks Bill,

 

Sorry for the late reply, this is my works computer and |I'm only here 9-5.

But it looks like I'm going to be busy over the next few weeks, a lot of people are watching this with anticipation. I'm the only one with a spare PC so am the flavour of the month right now!

Bl***y creeps !

[bill-k]

LOL Destiny !! Enjoy the popularity !!

[bill-k]

This member has just e-mailed me this message. I have suggested they check upper/lower case & caps lock, but that's all I can do.

 

Could a moderator or a techie please help ?

 

Many thanks.

 

""

 

Bill,

 

I am having trouble logging in to the site. When I contact them, they just send me new passwords. I use these but still cannot log in. I need to get Dottys claim sorted. Have you any idea how I can contact a mod ?

 

""

[Destinyofsouls]

I'm in, I'm in!!!!!!

 

Thanks Bill & Karne for your help. Don't know what was wrong, just kept logging in and here I am

[bill-k]

Welcome back, Destiny !!

 

Your persistence paid off - may that apply to your claims, also !!!

[Destinyofsouls]

Thanks Bill

[chezt]

Glad you made it DOS ... well done Bill/Karney ...

[Guest willowb]

Hi all, Oooooh I missed the drama!!!! lol

 

Wxxx