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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Spreadsheet with interest


bram stoker
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Hi folks, just a quick question , using the advanced spreadheet from Vampress chambers ( thank you so much! ) in column I it asks for the balance of your account, in my case by the time the interest is taken off my account the balance was positive. Should i use the balance from when the interests starts? Cheers

 

from my experience i only use the same balance figure i.e "closing balance" on each statment for each entry.

 

bearing in mind tho that i have only been dealing with credit cards, so the balance never goes into credit.

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heyo. made a boo boo on my prelim for Halifax. as the spreadsheet had a formula error and was adding big percents for big payments i was making.

 

have fixed the error but was too late as already sent the prelim with the error. in my LBA shall i edit the figures and send the new charge sheet or stick to the original. although the new figures will mean they owe me less lol.

 

Sem.

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Hi folks, just a quick question , using the advanced spreadheet from Vampress chambers ( thank you so much! ) in column I it asks for the balance of your account, in my case by the time the interest is taken off my account the balance was positive. Should i use the balance from when the interests starts? Cheers

 

You are actually 'sposed to enter the average of the balances during the interest charging period .. I personally could not be doing with the calculations so I just used the balance on the last date of the charging period ... ie the dates in which the interest was calculated.... this really isn't the right way to do it as I say it should be an average but My theory is it's up to the banks to provide more accurate calculations if they so wish.

 

Also you may find that when your accoutn is in credit the sheet may look a bit strange .. make sure you watch out for this :)

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:

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heyo. made a boo boo on my prelim for Halifax. as the spreadsheet had a formula error and was adding big percents for big payments i was making.

 

have fixed the error but was too late as already sent the prelim with the error. in my LBA shall i edit the figures and send the new charge sheet or stick to the original. although the new figures will mean they owe me less lol.

 

Sem.

 

I spose really you ought to supply them with an amended schedule ... are we talking about much of a difference here?

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:

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£30ish. just wanna make sure they dont kick up a stink if it goes to court about dif figures.

 

I think for that amount it wouldn't matter either way tbh ... I would prob just senf the amended schedule at the next stage (LBA) and not even mention the amendment ... they prob won't even notice anyway but as you say at least you'll know it's right :)

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:

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cool thanks for your opinion, i was thinking the same, just needed to verify.

 

good work again chezt ^^ thanks.

 

you're very welcome .. glad I could help :)

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:

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Hello,

 

I wonder if someone could help me?

 

I'm filling in the sheet and I'm on the "Estimated Overdrawn Balance" column. All is O.K except for one cell. If I type any figure into this cell it doesn't calculate the rest of the row correctly: The portion of the interest or the interest on the portion of the interest. All that appears in those 2 cells is: "#N/A Did not find value 12/6/2001" but the date for the row seems to be displayed correctly.

 

Any ideas?

I'm not really a Big Fat Greedy Banker so please don't treat me like one. ;)

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I've now got further down the sheet and the interest charges now "out number" the bank charges (i.e. There are rows of interest on the right that don't correspond to rows of charges on the left) As soon as this happens I get the same error on every interest calculation and the sheet no longer calculates the charges at the top.

 

Is it something to do with the way the charges side of the sheet relates to the interest side? Does each row of interest have to correspond with a row of charges?

I'm not really a Big Fat Greedy Banker so please don't treat me like one. ;)

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Due to a lot of queries regarding interest I have designed spreadsheets that attempt to calculate a fair claim.

 

Please ask in this thread if you have any problems with it, and either myself, or someone else will try to help you.

 

These spreadsheets are freely given to help you. Please consider a donation to the site if you decide to use them so that we may continue to help you.

 

:)

 

Some spreadsheets can now be downloaded, using the links below.

 

Please choose the spreadsheet relevant to your claim - there are different versions depending on if you are in England or Scotland, which spreadsheet package you use, and also whether you are claiming for a bank account or credit card.

 

 

Bank Accounts

England - Simple - Excel

England - Simple - Works

England - Simple - OpenOffice

England - Advanced - Excel

England - Advanced - Works

 

Scotland - Simple - Excel

Scotland - Simple - Works

Scotland - Advanced - Excel

Scotland - Advanced - Works

 

 

Credit Cards

 

England - Simple - Excel

England - Simple - Works

England - Simple - OpenOffice

 

England - Advanced - Excel

England - Advanced - Works

 

Scotland - Simple - Excel

Scotland - Simple - Works

 

 

Please note: All spreadsheets are © Reclaim the Right Ltd.

I am new to all this and have got myself thoroughly confused with so many different spreadsheets. I am trying to get back charges for my son and daughter in law. I have looked at the google spreadsheet and it seems quite straightforward but I am unsure whether or not I use the simple sheet without interest or if I claim interest. If so do I claim the statutory interest or contractural interest and if so what rate of interest do I enter. Sorry to be a pain. I just hope I can find any replies as I seem to get very confused as towhich forums it will on!!!! Heres hoping someone out there can helpme Thanks

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I've now got further down the sheet and the interest charges now "out number" the bank charges (i.e. There are rows of interest on the right that don't correspond to rows of charges on the left) As soon as this happens I get the same error on every interest calculation and the sheet no longer calculates the charges at the top.

 

Is it something to do with the way the charges side of the sheet relates to the interest side? Does each row of interest have to correspond with a row of charges?

 

No not if it's a bank account you are calculating for ... there are usually more on the right than on the left .... carry on ur doing fine ... then lines don't 'read across' as they do on the credit card ones (ie it's treat as 2 seperate columns of ino) :)

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:

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Hi Chezt, thanks for the reply.

 

The problem is its not working. As soon as there is more interest than charges (rows not value) it won't work out the interest anymore. I just get "#N/A Did not find value 12/6/2001" in the interest portion column. It also doesn't work out the totals at the top.

 

As well as this, I'm alo getting the same error "#N/A Did not find value some/other/date" on one other row.

 

As soon as I delete the offending rows the totals at the top work again as soon as I put them back in they don't.

 

Any ideas?

I'm not really a Big Fat Greedy Banker so please don't treat me like one. ;)

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I'm filling in the sheet and I'm on the "Estimated Overdrawn Balance" column. All is O.K except for one cell. If I type any figure into this cell it doesn't calculate the rest of the row correctly: The portion of the interest or the interest on the portion of the interest. All that appears in those 2 cells is: "#N/A Did not find value 12/6/2001" but the date for the row seems to be displayed correctly.

 

Any ideas?

 

I think this happens if the last date in the charges column is earlier than the last one in the interest column .... if you enter another date the same as the last interest date entry on your spready it may rectify the error?

 

ps .. presumably the date it has an error with is 6th December not 12th June?

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:

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I am new to all this and have got myself thoroughly confused with so many different spreadsheets. I am trying to get back charges for my son and daughter in law. I have looked at the google spreadsheet and it seems quite straightforward but I am unsure whether or not I use the simple sheet without interest or if I claim interest. If so do I claim the statutory interest or contractural interest and if so what rate of interest do I enter. Sorry to be a pain. I just hope I can find any replies as I seem to get very confused as towhich forums it will on!!!! Heres hoping someone out there can helpme Thanks

 

Firstly it's up to you (or whoever) what you actually claim back ... here are your options ...

 

1. Charges you paid

2. Charges you paid + interest you paid as a result of those charges

 

Plus

 

contractual interest (Claim this from the outset on your letters)

or

Sec 69 interest (Don't claim this until you get to the filing the court claim stage)

 

(So 4 options really)

 

As for which sheet to use - if you have all your statements then choose one of the advanced sheets for your claim

 

Which interest rate? - Use the current rate which the bank charge you ... if it's for a credit card then I would use the standard rate charged for purchases .... if it's a bank account then there's another decision to be made .... the current authorised OR unathorised rate ..... there's lots of discussion again on which should be used and as with the contractual interest you should just be prepared to put forward your case as to why you are entitled to claim it .... again this is quite straight forward if you do plenty of reading along the way with your claim.

 

As a final note it's also a good idea to start your own thread to record your claims progress & ask any Q's you have along the way

 

Hope this clears things a little for you? :)

 

 

  • Haha 1

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:

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CONGRATULATIONS, CHEZ.....

 

POST NO. 1,000 !!!!!

 

Cor I missed that .... I have been a busy gal then eh! Thanks matey! :D

 

(Awww cheers for the clicky too :) )

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:

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I think this happens if the last date in the charges column is earlier than the last one in the interest column .... if you enter another date the same as the last interest date entry on your spready it may rectify the error?

 

ps .. presumably the date it has an error with is 6th December not 12th June?

 

Im actually having exactly the same problem with my Abbey spreadsheet. Its exactly as described by BFGB. I have 19 rows of charges and 29 rows of interest. If the charge date for any given row (column A) is later then the interest date for the same row (column F) then I get the '#N/A Did not find value 02/28/2000' message in column J.

 

I had no problems when I did my Halifax spreadsheet. The only 'solution' I can see at the moment is to leave blank rows in between the charges so that the dates correspond.

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I had no problems when I did my Halifax spreadsheet. The only 'solution' I can see at the moment is to leave blank rows in between the charges so that the dates correspond.

 

No if you just do as I suggest by entering a later date (today's maybe?) in the interest column but don't type any detail or amounts beside it then your sheet should calculate ok ... try it & let me know if it works ... I'm sure that's what I did on mine :-)

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:

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Hi ,

On the simple spreadsheet , what goes into the box which reads "SCHEDULE OF CLAIM FOR CHARGES" ?

Many thanks,

vmac

 

Which sheet are you using? This just sounds like a heading for the sheet I would think & not to be changed :)

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:

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No if you just do as I suggest by entering a later date (today's maybe?) in the interest column but don't type any detail or amounts beside it then your sheet should calculate ok ... try it & let me know if it works ... I'm sure that's what I did on mine :-)

 

Thanks for your reply Chezt. Unfortunately it didnt solve the problem for me (Id be interested to see if it worked for BFGB). I tried putting today's date in Columns A & F but it only rectified 2 rows - the rest remained with the error in column J.

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Thanks for your reply Chezt. Unfortunately it didnt solve the problem for me (Id be interested to see if it worked for BFGB). I tried putting today's date in Columns A & F but it only rectified 2 rows - the rest remained with the error in column J.

 

 

Check all the dates you have entered are in the american format then ... that could be a problem .... ? I only actually had to put a later date in once & not down the whole column BTW

 

There is obviously some 'conflict' on the sheet somewhere but without actually seeing it it's hard to know what or where

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:

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Which sheet are you using? This just sounds like a heading for the sheet I would think & not to be changed :)

 

Hi chezt ,

I'm using this the calculating interest spreadsheet from the templates in the forum, entitled: England - Simple - Excel. There are some headings at the top .. such as, name, acc. no. etc. etc. You click on them and enter your own details. Then there's a box with "SCHEDULE OF CLAIM FOR CHARGES" which is also clickable for you to fill in. I don't know what this means - Thinking about it, do you think it could mean the time period for which you're claiming for, for eaxmple, March 2001 - 2006 ?

 

Kind regards,

 

vmac

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