Spreadsheet with interest

[freebird]

BIG THANKS TO VAMPS for sending spreadsheet.

I'm trying to work on it but just need to ask a question please.

I'm not making excuses here but I'm dyslexic and it takes much longer for the "penny" to drop I'm afraid. Here goes......

I'm claiming back to 2000 ( I'm up to moneyclaim now !)

if the interest on each charge, is calculated by the day, do I have to work out how many days every charge has been and the interest on every one for the past 6 years..............

I'm sorry if this is so basic, it's ridiculous but that's me. ridiculously bad at maths !

I can't read or unsterstand, flat pack instructions and put this computer desk together with out using the instructions, that's why it took me 15 hours !!!

I do have 1 or 2 good qualities and skills though I'm sure, it's just that maths terrifies me !

thanks

Freebird x

[michellemeenan]

which of these do you use for claiming against Ulster bank in N - Ireland??

michelle

[bram stoker]

BIG THANKS TO VAMPS for sending spreadsheet.

I'm trying to work on it but just need to ask a question please.

I'm not making excuses here but I'm dyslexic and it takes much longer for the "penny" to drop I'm afraid. Here goes......

I'm claiming back to 2000 ( I'm up to moneyclaim now !)

if the interest on each charge, is calculated by the day, do I have to work out how many days every charge has been and the interest on every one for the past 6 years..............

I'm sorry if this is so basic, it's ridiculous but that's me. ridiculously bad at maths !

I can't read or unsterstand, flat pack instructions and put this computer desk together with out using the instructions, that's why it took me 15 hours !!!

I do have 1 or 2 good qualities and skills though I'm sure, it's just that maths terrifies me !

thanks

Freebird x

The spreadsheet will automatically calculate the number of days for you once you enter the date of each charge. Remember to use the format XX/XX/XXXX when entering your dates. If you'd like me to check the spreadsheet once you've entered the data please PM me. If I don't respond immediately, please hold fire, I won't be too long.

Don't panic, and good luck.

[bram stoker]

which of these do you use for claiming against Ulster bank in N - Ireland??

michelle

It won't be the Scottish spreadsheets. I assume that the laws in N Ireland are the same as in England, but could be wrong. Please search the forum, or hopefully someone else can answer here.......?

[freebird]

oh Vamp, thanks so much, I could see me here all night adding up the days......lol....never done anything like it before so I thought I had to add up manually !

I'm working on it tonight in between my youngest's restless sleep, she has sleep apneoa as well as her disability and I have to watch her and listen on the monitor etc.

Thanks for your kind offer, I will take you up on that please when I've done it, ta.

Freebird x

[bram stoker]

On the complex credit card excel spreadsheet ' charges & interest page' it asks for statement balance in column H . can I play dumb here and ask is that the opening or closing balance on the statement:confused: ?

H must be the statement balance at the end of the month, but before any payments have been made against that balance. Enter a balance to be paid as a positive figure in this column.

Let me know if this works any better for you.

Vamp.

[bram stoker]

thank you, thewifeandI.

 

I THINK I have done everything correctly now - would someone be kind enough to let me email it across to them for the once over?

 

Regards

 

Gemma

Hi,

 

Just wondering if you're sorted now. WifeandI are an absolute star. If you still need the once over on your spreadsheet please send it to the vamp gmail address and put FAO Vampiress in the subject box and I'll pick it up as soon as I get a moment.

 

Good luck,

Vamp.

[bram stoker]

Hi

 

I have spent the last hour working out my interest on my charges using the spreadsheet emailed to me, which was nice and easy to use. I just wonder if someone would mind just looking it over for me to make sure i have done it correctly (bit worried as found it easy to do)

 

 

 

many thanks

 

Emma

Go on, send me yours too. As per the post I made above this one. I'm in a generous mood tonight.

 

Best of luck.

[andyace]

I know you are busy but I am not a spread sheet wizard. I did mine last week but I need to add some charges but it wont let me. I am using open office, but the doc I open is just static it wont autosum. Can any one tell me how to do this. My moneyclaim is ready to go tonight but I want to get this done at the same time.

Thanksfor your help.

[andrew1]

Vamp you're a star!

[thewifeandI]

I know you are busy but I am not a spread sheet wizard. I did mine last week but I need to add some charges but it wont let me. I am using open office, but the doc I open is just static it wont autosum. Can any one tell me how to do this. My moneyclaim is ready to go tonight but I want to get this done at the same time.

Thanksfor your help.

I'd like to help, but don't currently have any experience of OpenOffice. Is there a 'Recalc' button or something similar, or maybe a menu entry that does the same? This is pure guesswork, not having seen it before.

[bram stoker]

I know you are busy but I am not a spread sheet wizard. I did mine last week but I need to add some charges but it wont let me. I am using open office, but the doc I open is just static it wont autosum. Can any one tell me how to do this. My moneyclaim is ready to go tonight but I want to get this done at the same time.

Thanksfor your help.

I don't know Open Office either... yet!

 

If it's anything like any other spreadsheet you'll need to insert some lines in between the data already entered and the total, then check that the total includes all items from the top to the bottom of the list.

 

I hope this helps. Let me know.

[Spiceskull]

I am using open office, but the doc I open is just static it wont autosum.

PM me...I will sort you out.

[nona]

can i just ask ?

i have filled in the spreadsheet with all my charges with next mondays date on it. I have only filled in the left hand half on the coloured sheet. My claim is for £4207 and the interest is adding up to £889. This seems a lot. Does anyone else think so? or does it seem ok? ish?

[thewifeandI]

I assume you are talking about the court (8%) interest. The amount it comes to depends on the age and amount of the charges. The more charges you have (in value) that are older than a couple of years, the higher this will work out to.

[andrew1]

Advanced Credit card completed. on Charges & Interest worksheet: Total charges £295 interest they charged £39.46. Thats fine.

 

I then write to the card co and ask for that back. Do I not ask for any interest at all at this stage on their keeping my money?

 

because If they decide to settle before court action is taken what do we/ can we charge ie: interest, for the period from the penalty till now which are the figures showing on the 8% sheet and when do we ask for it?

 

My contractual charges were at 1.873%pm 22.476% per annum. I just need to know how to construct my claim around this now.

[bram stoker]

Advanced Credit card completed. on Charges & Interest worksheet: Total charges £295 interest they charged £39.46. Thats fine.

 

I then write to the card co and ask for that back. Do I not ask for any interest at all at this stage on their keeping my money?

 

because If they decide to settle before court action is taken what do we/ can we charge ie: interest, for the period from the penalty till now which are the figures showing on the 8% sheet and when do we ask for it?

 

My contractual charges were at 1.873%pm 22.476% per annum. I just need to know how to construct my claim around this now.

The 8% is statutory interest to be claimed at court. You can change this to their contractual interest rate (see other threads on this) if you wish, but must ask for it in your letters to the bank when making your request. You cannot claim statutory interest if claiming contractual interest.

[nona]

I assume you are talking about the court (8%) interest. The amount it comes to depends on the age and amount of the charges. The more charges you have (in value) that are older than a couple of years, the higher this will work out to.

 

Yes the 8% which is added at the court stage. Yes there are charges going back 6 years. It was your interest wife and i which i spotted at £40 which sent me into a panic. Nearly £900 does seem a lot-all the better for me if they give it back though:razz:

Nona

All help gratefully received and much appreciated

[Rachel07]

Hi

 

Wonder if someone can help me? Not sure about the interest column in the excel spreadsheet? Do I put in all interest charged on my overdraft even if I was in it through my own fault not because of charges?

 

Sorry to sound a bit dim!

 

Am hoping to claim against Abbey, Barclaycard and Capital One who also defaulted on me and my husband. Their error as they didn't update their systems with change of addresses.

[thewifeandI]

Enter all interest debited since the first charge you are claiming back. The spreadsheet will work out how much of it is due to charges.

[thewifeandI]

Yes the 8% which is added at the court stage. Yes there are charges going back 6 years. It was your interest wife and i which i spotted at £40 which sent me into a panic. Nearly £900 does seem a lot-all the better for me if they give it back though:razz:

Nona

All help gratefully received and much appreciated

The bulk of my charges were in the last year as my self-employed income has fallen off.

[Rachel07]

Thanks

 

Here's hoping!

[andrew1]

.....and just when I think I have eventually got this interest business sussed you go and spoil it all for me !

 

Why is it I just can't get it right?

 

I entered all the charges into the spreadsheet. the penalty charged and the interest on the monthly statement - that didn't seem too hard.

 

If what you are saying now Jeep is correct are you saying that I should take every statement for each month from the first charge irrespective of whether theres a charge on it or not and enter the interest charged for each and every month?

 

That would be same with the opening balance and ANY payments I have made throughout the whole period for which I am claiming? Not just those months I got the charges?

 

Sorry for being so slow - I run a business - you'd think I'd get this right !!!

[thewifeandI]

Yes - the reason is that the total of charges accumulates, therefore it affects the balance month on month, whether there's a charge or not. If the earlier charges weren't there you might not have even been overdrawn enough to get charges in a particular month.

[Rachel07]

Sorry to be dim again but about the balance of account at time of interest column? My bank statment gives a running total for the balance after each transaction should I use this as the balance?