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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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Spreadsheet with interest


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That's your choice, and I won't push you, but to be clear on this to others, people are already claiming contractual interest and the banks are paying it.

 

If you think about it, why wouldn't they? Their only alternative is to go to court and defend their charges, which they won't do.

 

Good luck to you all - whatever you decide.

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OK..

 

Having looked at them all and being a thickie.. whats the difference between contractual and compounded contractual then?? The contractual one looks same as statutory one..is this so we can change and put our interest rates with our specific banks? Still, that still leaves me unsure what compounded one is??

 

Sorry...lol

Halifax Sept 2006- SAR, Prelimanary Letter, LBA, MCOL, Settled & WON! :lol:

MBNA started March 09- SAR,Prelimanary Letter, LBA, WON! :lol:

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Hi Vampiress. I have googled your spreadsheets, but when I "file/save as" your "throughout claim with compounded contractual interest" sheet, and then open it, I have just got a completely blank page? What am I doing wrong? I have Office Excel 2003 and Windows XP Professional.

---------------------------------------------------

Nationwide

Prelim sent 18/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Part payment £610.10 received 8/11/06

AQ filed 22/12/06

Cap One

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

Barclaycard

S.A.R sent 08/09/06

Reply 14/09/06 Microfiche excuse

Response sent 18/09/06

Lloyds TSB (oh)

prelim sent 19/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Cap One (oh)

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

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Disregard my last question. I wasn't following your instructions properly, sorry!

---------------------------------------------------

Nationwide

Prelim sent 18/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Part payment £610.10 received 8/11/06

AQ filed 22/12/06

Cap One

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

Barclaycard

S.A.R sent 08/09/06

Reply 14/09/06 Microfiche excuse

Response sent 18/09/06

Lloyds TSB (oh)

prelim sent 19/09/06

Revised prelim sent 26/09/06

LBA sent 11/10/06

N1 filed 30/10/06 served 3/11/06

Cap One (oh)

S.A.R sent 08/09/06

Reply 20/09/06

Prelim sent 18/10/06

LBA sent 3/11/06

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Wonder if anyone can help, Citi Card have made a partial refund - the difference between charges and £12.

 

Should I calculate my totals including interest and then deduct the amount?

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Wonder if anyone can help, Citi Card have made a partial refund - the difference between charges and £12.

 

Should I calculate my totals including interest and then deduct the amount?

No. Enter the charge as normal, then enter the refund as a negative charge with the correct date etc.

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Hi vampiress on the excel spreadsheet credit card,when calculating 8% interest.if the right hand columns are longer than the left,it appears to confuse the formula.I have put some extra dates on the left hand side and this seems to have solved it, was this the right thing to do ? Also,all the columns suddenley changed to "ref" I just deleted these,was this correct?:)

p.s Keep up the good work:)

p.p.s sorry I also sent this to your e-mail last week but I know you are very busy

:grin:amount WON so far £15,021.27(12 claims):D

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I thought I had read several times on here that it didnt matter if the number of charges was differant to the number of months as long as you put them in order and left no gaps?

:grin:amount WON so far £15,021.27(12 claims):D

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I thought I had read several times on here that it didnt matter if the number of charges was differant to the number of months as long as you put them in order and left no gaps?
You did, but in reference to the bank charges spreadsheet. The credit card one is different.

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abbey have not given me the balance at the side they have just printed off the date, detail and amount ( and the transaction code like csh, swt etc) do i have to right to force them to give me the full into or will i fall foul with this. do they do it specifically so i cant work out the interest? i have about 8 months of regular statements that list the interest and charges seperatly, do i work those out and try and estimate the interest charges previously? im cunfused!

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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Hi,

 

I'm a little confused (well, actually I'm very confused) and I hope someone can help me.

 

I'm in the process of using the Enhanced Spreadsheet for calculation of interest charged on charges (this IS NOT the 8% bit - I know that comes later).

 

I've got two accounts that I'm trying to get my money back from. With one I've been charged just over £140, and the interest due is coming out as £7.12. On the second account, I'm owed nearly £400, but the interest is coming out as £4.54.

 

The way I've input the interest charged/balance at period end is that I've put in the required information for each month that I was charged. Is this all I need to do or do I have to input the interest for every single month (regardless of whether or not I was charged)?

 

If the latter is the case, I've hit another problem where I have months where I have been charged interest but because the balance is in credit it doesn't show any interest owing. Also, I have one set where a £16 charge is accruing about £3 in interest over the first four months.

 

Any Suggestions?

 

Many Thanks!

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Assuming this is for a bank account...

 

For each month after the date of the first charge, enter the interest debited. Enter the balance on that date if it was overdrawn, otherwise enter the lowest balance (highest overdraft) since the previous interest debited date. Don't try and line up the interest with the charges - you don't have to align the charges with the interest.

 

If it's for a credit card, see Vamp's posting #534 above.

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!

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I've got two accounts that I'm trying to get my money back from. With one I've been charged just over £140, and the interest due is coming out as £7.12. On the second account, I'm owed nearly £400, but the interest is coming out as £4.54.

 

 

If the £400 charges were more recent than the £140 charges then this is possible. If not, then you may have miscalculated.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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wanted to reword my last query a little if i may, over 5 years of transaction history, there is not one opening or closing balance, i know the overdraft rate i was paying was 9.9% i know we were in overdraft perpetually ( as that is now we ran that account, or mis-ran that account) i am thinking of adding the following passage to the prelim letter...

 

" as you failed to provide me with complete information under my S.A.R - (Subject Access Request), i have no opening and closing balances for the years 2000 to 2005 and therefore cannot extrapolate the interest i was charged on the charges i am now disputing. i have therefore calculated 9.9% ( the preffered overdraft rate i was on having paid in £1000+ a month) against the whole of the principal sum. if you will provide me with the details i requested under the SAR in full i will recalculate from those figures and adjust my claim accordingly. please note that should this claim come to court 8% interest willbe added to the entire amount under s69....."

as my figure is £620.00 this makes it £681.38 but that is just lumping the 9.9% on the top of the lump sum is that the way to do it?

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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If you used the SAR from this site then they have provided what you asked for - a list of charges.

 

If you don't know the balance you can still make a claim including contractual interest - there is a spreadsheet in Vampiress's Chambers to cover this scenario.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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have had a look at the spreadsheet suggested, when i try and save to my computer ( not happy about putting in my details online) it doesnt save the formulae also it keeps giving me online errors and i keep loosing it all :( i know it is probs really easy but im getting all flustered abotu this.

can someone explain how the charges interest whould work in theory? i can adjust my own spreadsheets in if i know the formulae also is it simply that on a £30 charge the interest is charged at 9.9% or is ti that you take the first £30 charge and add 9.9% interest then add the second £30 charge and add 9.9% interest on the £60+ interest already accrued?

 

im well confused here.:(

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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have had a look at the spreadsheet suggested, when i try and save to my computer ( not happy about putting in my details online) it doesnt save the formulae also it keeps giving me online errors and i keep loosing it all :( i know it is probs really easy but im getting all flustered abotu this.

can someone explain how the charges interest whould work in theory? i can adjust my own spreadsheets in if i know the formulae also is it simply that on a £30 charge the interest is charged at 9.9% or is ti that you take the first £30 charge and add 9.9% interest then add the second £30 charge and add 9.9% interest on the £60+ interest already accrued?

 

im well confused here.:(

I'm not sure about the exporting, but all the formula are there in the template to view and copy if you wish.

You will see them by clicking in the cell, and looking at the bottom right of the

spreadsheet.

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have had a look at the spreadsheet suggested, when i try and save to my computer ( not happy about putting in my details online) it doesnt save the formulae also it keeps giving me online errors and i keep loosing it all :( i know it is probs really easy but im getting all flustered abotu this.

can someone explain how the charges interest whould work in theory? i can adjust my own spreadsheets in if i know the formulae also is it simply that on a £30 charge the interest is charged at 9.9% or is ti that you take the first £30 charge and add 9.9% interest then add the second £30 charge and add 9.9% interest on the £60+ interest already accrued?

 

im well confused here.:(

 

If you have excel try the one in my sig ;)

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.

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Hi if you are having problems with any spreadsheets- then you could always work with this formula- whatever the interest rate you want to use for e.g 8%= then you multiply the charge (£15) by the 8%=£1.20 x how many yrs the charge goes back to e.g 6yrs then its £1.20 x 6yrs=£7.20 plus £15.00=£22.20. remember to do this for each charge whatever the amount and the same sums are done with any amounts of charge and different % rates. this advice is only a guide for you to use- i think even if you work out the amount on a daily basis it comes to round about the same-if in doubt always round the figure up to your advantage=7.20 becomes 8 if you see what i mean. cheers LES

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Been thinking for a while now which route to take s.69 or contractual and have decided today to use vampiress spreadsheet for contractual interest, ive always managed in the past to solve any probs ive had without asking anyone but i am stuck and cant seem to solve this one. Like tracyrmj when i try to save spreadsheet so i can edit it i get disconnected from my aol connection (every time i try) sole aim is to get a spreadsheet for contractual int without the need to put in the interest they charged me for going o/d.

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