Jump to content


  • Tweets

  • Posts

    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Spreadsheet with interest


bram stoker
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1916 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

I've done a little test on a dummy spreadsheet and worked out that if I change the figure for amount paid in order to leave exactly £180 as my remaining balance (to equate to the penalties charged) it puts the whole amount of the interest charged to interest on penalties. Once I go one pound over this on the amount paid, thus leaving £179 as my remaining balance (and less than the penalties charged), it screws up the interest on penalties figure.

 

You have been very helpful indeed in replying to my messages as you have, and this is not aimed at you personally because I know you are trying to help, and I know it's a free service for which I am extremely grateful, BUT I am a little miffed with the BAG that this query can't be sorted out without me having to have a website, afterall I can't be the only one who paid off more than the penalties charged and has this problem. And it seems there is no way of getting help with this - so where does that leave me now?

Link to post
Share on other sites

  • Replies 1.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

You don't need your own website, there are many file hosts that you can use for free. Try RapidShare. Browse for the spreadsheet on your PC and click upload, then paste the link in a post.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

Link to post
Share on other sites

Having looked at your spreadsheet I can see how it is getting the amount wrong, and can understand how it's getting that figure. What I can't tell yet is how to fix it. If Vamps is around she may come up with a suggestion faster than I can, but I'll keep trying!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

I am about to complete the Advanced excell spreadsheet for a TSB credit card.

 

Hope some kind person can answer my queries

 

Do I start the claim from the date that the first charge occurred?

 

Then do I put down all payments, interest and balances for every month after that whether there were charges on them or not?

 

Thanks

Pam:mad:

Link to post
Share on other sites

Hi,

Is there anyone who wouldn't mind taking a look at my excel spread sheet not sure if I have completed it correctly and don't want to look stupid if I send it and its wrong. Let me know?? :o)

Link to post
Share on other sites

Sorry Pam. I did reply with details of using the spreadsheet for bank accounts and then saw that you need advice for the credit card spreadsheet. I've tried looking at it but I don't really understand how it works - probably doesn't help that I've never owned a credit card.

 

Sorry I couldn't help you out, but I'm sure somebody else will reply soon. :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Having looked at your spreadsheet I can see how it is getting the amount wrong, and can understand how it's getting that figure. What I can't tell yet is how to fix it. If Vamps is around she may come up with a suggestion faster than I can, but I'll keep trying!
Right - been thinking a bit more on this this and I think it could well be right. According to the sheet you had a large balance and mostly paid it off that month, leaving £124 of debt. By that time the accumulated charges were greater than the new balance, therefore the interest charged that month was entirely due to the charges, and as they were greater than the balance the proportion of interest was greater than 100% if the interest. I think. ;)

 

If the bank challenges the amount ask them to calculate it for you - after all they've got buildings full of expensive computers to work it out!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

I am about to complete the Advanced excell spreadsheet for a TSB credit card.

 

Hope some kind person can answer my queries

 

Do I start the claim from the date that the first charge occurred?

 

Then do I put down all payments, interest and balances for every month after that whether there were charges on them or not?

 

Thanks

Pam:mad:

 

Can Someone help me please!!

Link to post
Share on other sites

Start from the month with the first charge. Then enter one line per statement from then until now.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

Hi,

Is there anyone who wouldn't mind taking a look at my excel spread sheet not sure if I have completed it correctly and don't want to look stupid if I send it and its wrong. Let me know?? :o

 

I need help please going mad!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

Pm me

 

Thanks

Link to post
Share on other sites

Right - been thinking a bit more on this this and I think it could well be right. According to the sheet you had a large balance and mostly paid it off that month, leaving £124 of debt. By that time the accumulated charges were greater than the new balance, therefore the interest charged that month was entirely due to the charges, and as they were greater than the balance the proportion of interest was greater than 100% if the interest. I think. ;)

 

If the bank challenges the amount ask them to calculate it for you - after all they've got buildings full of expensive computers to work it out!

 

Thanks Jeep :). I understand your thinking but I'm not 100% satisfied that this isn't going to make my claim lose credibility, giving the credit card co. the chance to defend and have my claim thrown out. Not saying you're wrong but I do think we're slightly guessing here and I don't feel comfortable proceeding with a claim that might be flawed. Is there any legal onus on them to come up with calculations of what they owe me?

Is anyone with more knowledge than me able to confirm whether you can claim more than 100% of the interest charged? If not, does the spreadsheet template need to be corrected to put in an argument such as 'only insert 100% of interest charged' ?? :confused: Once again, really grateful for your time Jeep.

Link to post
Share on other sites

Does my spreadsheet look as if it's entered correctly? Bear in mind that Barclays calculate the interest for the month but take the money from my account the next month. I went back one month and found the highest overdrawn balance for that period.

 

Here's the spreadsheet (I haven't deleted the extraneous repeating charges from the end of the list yet):

 

spreadsheet_00_06.gif

 

Many thanks.

 

p.s. Haven't entered the "Estimate of previous charges" figure yet. Should I take the average of the charges levied in 2003 then multiply by the number of years from account opening to March 2000?

July 10th 2006 - S.A.R - (Subject Access Request) - (Subject Access Request) - (Subject Access Request) to Barclays delivered

December 1st 2006 - N1 filed! At last!

Link to post
Share on other sites

Does my spreadsheet look as if it's entered correctly? Bear in mind that Barclays calculate the interest for the month but take the money from my account the next month. I went back one month and found the highest overdrawn balance for that period.

[snip]

p.s. Haven't entered the "Estimate of previous charges" figure yet. Should I take the average of the charges levied in 2003 then multiply by the number of years from account opening to March 2000?

Looks fine. I worked out an estimate for my claim by counting the number of months of missing data and multilplying it by the average number of charges received in a month at the oldest rate charged. I also explained how I had arrived at the estimate and the period it covered, etc. in the LBA letter so that they were completely clear.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

Thanks Jeep :). I understand your thinking but I'm not 100% satisfied that this isn't going to make my claim lose credibility, giving the credit card co. the chance to defend and have my claim thrown out. Not saying you're wrong but I do think we're slightly guessing here and I don't feel comfortable proceeding with a claim that might be flawed. Is there any legal onus on them to come up with calculations of what they owe me?

Is anyone with more knowledge than me able to confirm whether you can claim more than 100% of the interest charged? If not, does the spreadsheet template need to be corrected to put in an argument such as 'only insert 100% of interest charged' ?? :confused: Once again, really grateful for your time Jeep.

I understand your concern. My feeling was that in previous months the proportion was very low, so I don't really think it matters too much in this one month. One option is to overtype the result for that row with the value of the interest for that month. It's the best I can suggest right now.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

Can somebody show me a way of working out the interest without using a sreadsheet please? I have'nt got this excel thing, i.m a pen'n'paper man myself and can use a calculator, i'm sure theres loads of people out there that wants to know the correct answer to this question. THANKS [email protected]

Link to post
Share on other sites

I have'nt got this excel thing
If you don't have, or don't want Excel, you could always download Open Office (which is completely free) from here.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Looks fine. I worked out an estimate for my claim by counting the number of months of missing data and multilplying it by the average number of charges received in a month at the oldest rate charged. I also explained how I had arrived at the estimate and the period it covered, etc. in the LBA letter so that they were completely clear.

 

Thanks very much Jeep - appreciate the advice! As for using the oldest rate, I didn't think that I had to add interest to the estimate figure. To be honest, I have no idea what any older rate might have been.

 

Last thing - this may be a issue with Excel on Apple Mac, but I can't enter a fractional amount for the interest. Everytime I enter 27.9%, Excel rounds it up to 28% when I hit . Any idea how to work around this?

July 10th 2006 - S.A.R - (Subject Access Request) - (Subject Access Request) - (Subject Access Request) to Barclays delivered

December 1st 2006 - N1 filed! At last!

Link to post
Share on other sites

Everytime I enter 27.9%, Excel rounds it up to 28% when I hit . Any idea how to work around this?
You need to format the cell/s so that entries are accepted up to two decimal places...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Anyone know how I do this?

July 10th 2006 - S.A.R - (Subject Access Request) - (Subject Access Request) - (Subject Access Request) to Barclays delivered

December 1st 2006 - N1 filed! At last!

Link to post
Share on other sites

Right click cell > Format Cells..., then under the 'Number' tab select 'Number' and select 2 (or whatever) decimal places. You wont notice any change in the actual result however because Excel will be using the decimal figure regardless of the formatting.

 

Edit: just noticed you're on a mac, hence no right click! You can get to the cell formatting menu by using the toolbar: Format > Cells...

  • Confused 1

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

Link to post
Share on other sites

hi there, could someone out there please clarify for me the 2 points. i intend to go for contractual rate on one of my cards. I know how to work it out with the spreadsheet.But my "interest on penalties" doesn't change when i enter the 24.8% rate,only the cell with the 8% changes obviously.Now my questions are:

1.which of them do i include in my lba?the "now"24.8% one, or the normal "interest on Penalty" one, or both of them??I don't want to end up claiming interest twice and cocking it all up.

2.when i file my claim......do i tick the "are you claiming the s69 8%, blah blah blah thing?And what exactly should i put as charges and as interest out of the 4 amounts on my spreadsheet??

I know it might sound stupid, i just want to make sure i got it all right.

Thanks for your help in advance.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1916 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...