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Spreadsheet with interest


bram stoker
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Nope deffo Column K .... the only ones you should edit according to the notes on the sheets are .....'Complete the turquoise boxes in columns B, C, D, G, H and I only using the details from your statements'

 

Do you think you could have accidently knocked out a formula somewhere?

 

Thanks for your help Chetz. It is very mysterious. I started again and re-downloaded sheet, it was still no good. I've decided to use a google sheet instead. Problem solved.

Gee

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Thanks for your help Chetz. It is very mysterious. I started again and re-downloaded sheet, it was still no good. I've decided to use a google sheet instead. Problem solved.

 

 

ah well ... all sorted now at least then ... I really dunno what the problem was other than if you were typing summat somewhere u shouldn't IYKWIM? :p

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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Vampires,

 

I just want to make sure I am doing this right, I have entered the interest date as the date I am being charged, then the actual interest charge and finally the balance for the period in which I am being charged. The charges, as my overdraft went up to 6,000+ seem to be around 70 to 80 pounds a month but the interest on penalties remains quite low...

 

Is this right. Also, the baalance should be a negative number...? Any chance of reclaiming the entire interest amount...?

 

Thanks in advance,

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Need help please! Am doing schedule for credit card and need to change the interest rate to 24.9%. Have tried retyping "Interest 24.9%" but it is still calculating at the 8% rate - what am I doing wrong?! Thanks

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hi what do you do if you have had interest or refund paid into your account ie i had 0.47 gross interest paid into my account, also i have tax deducted 0.09 what happens with that and 15.00 charges refund which columns do i put these

 

ali

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all charged refunds are tax-free as it is disposable income you have already paid tax on. Any interest you receive is counted as income so this will need to be declared.

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Hi,:)

I am totally at a loss to understand spreadsheets, interest and everything else thats it happening with my claim.:mad: embarrassed or what!!!!

Have sent the first letter - replied with copies of charges over 4 years - NOT statements.

O/D interest.....O/D Excess fee..........Inpaid cheque........Unpaid D/D

These are the four things that are listed.

Do I claim for the amounts listed?????:-?

Have No idea whatsoever on any exact dates or costs etc., No statements.

Do I need to use a spreadsheet?:-?

Thanks to anyone that can help

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Need help please! Am doing schedule for credit card and need to change the interest rate to 24.9%. Have tried retyping "Interest 24.9%" but it is still calculating at the 8% rate - what am I doing wrong?! Thanks

 

Are you pressing tab or enter after you make the change? :)

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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Vampires,

 

I just want to make sure I am doing this right, I have entered the interest date as the date I am being charged, then the actual interest charge and finally the balance for the period in which I am being charged. The charges, as my overdraft went up to 6,000+ seem to be around 70 to 80 pounds a month but the interest on penalties remains quite low...

 

Is this right. Also, the baalance should be a negative number...? Any chance of reclaiming the entire interest amount...?

 

Thanks in advance,

I'm not sure the Vampiress is around much these days ... I'll try n help u ...

 

Have you entered the interest rate you are claiming?

 

Yes if you bank account balance is overdrawn then enter as a negative

 

Once your spreadsheet reaches the point where the charges you are claiming exceed your o/d then I think it will automatically calculate that you claim back all of the interest charged - this is the interest in column J on the sheet I'm using (claiming contractual compound interest)

 

hope this helps? :)

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 what do you do if you have had interest or refund paid into your account ie i had 0.47 gross interest paid into my account, also i have tax deducted 0.09 what happens with that and 15.00 charges refund which columns do i put these

 

ali

 

On my claim I entered a line the same as you would with the charged and just put 'interest paid' and a negative in fromt of the amount to show it was a refund

 

Do this with the refunded charge too

 

hth? :)

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,:)

I am totally at a loss to understand spreadsheets, interest and everything else thats it happening with my claim.:mad: embarrassed or what!!!!

Have sent the first letter - replied with copies of charges over 4 years - NOT statements.

O/D interest.....O/D Excess fee..........Inpaid cheque........Unpaid D/D

These are the four things that are listed.

Do I claim for the amounts listed?????:-?

Have No idea whatsoever on any exact dates or costs etc., No statements.

Do I need to use a spreadsheet?:-?

Thanks to anyone that can help

 

I hope you don't take offence here but it sounds to me like you are nowhere near ready to make your claim yet - you really need to have a good read round the forum & understand the process more before you start. I spent at least a few months reading before I started & it really helps make things a bit clearer.

 

As for you other Q then yes you will need a spreadsheet of some sort for your claim - which one you use is your choice based on what you are claiming - personally I have used the Vamps ones & they are working for me but there are others available too

 

As for the info you have from your bank then if they haven't fully complied with your SAR request you will need to write to them stating that they haven't done so ... there are letters in the templates library to help with this I believe.

 

This is a good link to find what you are llokg for too - u may want to save it somewhere ...

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

 

Good luck with the reading & the rest of your claim when you are ready :)

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've just started trying to complete the 'speadsheet with contractual rate of interest', but as I'm working from a Mac, googledoc says it doesn't recognise my browser; anyone else using a Mac to calculate interest and use Vampiress's speadsheets or are there Mac frinedly ones out there?

 

Advice anyone?

 

Many thanks...

 

221b

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Hi I have a few questions...:???:

 

Have read through the entire thread so as not to duplicate others' questions but haven't found what I need, I'm afraid! Am using (and struggling with) Vampiress's Advanced Spreadsheet for claiming contractual rate of interest back.

 

1 I'm claiming from the RBOS, they have differing rates for even agreed overdrafts up to £100 free; up to £1,000 - 18.33%; £1,000 to £5,000 - 17.56 % and then unauthorised seems to have hovered around 29.8% over the past 8 years. The only interest free overdraft I've ever had is for up to £100, so do I claim the unauthorised rate throughout (29.8%)or the 17.56% % or what!? There doesn't seem to be space on the spreadsheet for accommodating differing interest rates for agreed borrowing. The bank don't seem to be able to let me know what my various agreed rates of borrowing were over the past 8 years but are checking for me. My question is how do I accommodate this information in the Spreadsheet? Do I average it or what? and if so, how?

 

2 With the complex spreadsheet, are you meant to use both pages? ie the 'Charge and interest' sheet and the '8%' sheet? Do you have to fill them both out? Have filled out the same information on both but I'm not sure why! In the notes section, it doesn't say to fill out only one page, nor does it say to fill out both. Sorry if this seems like a thick question to those of you who know spreadsheets inside-out, but it isn't obvious to me what to do... I thought there were entirely separate spreadsheets for those claiming only the 8% standard interest rate...

 

Sorry if any of the questions aren't appropriate in this thread, but I'm gettng a bit confused posting stuff all over the place and trying to keep a track of who's answered what and making sure I'm in exactly the right thread!

Thank you all!!

 

221b

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Hello \Vamp/

You're doing a fantastic job here, how do you find the time. Its taken me 5 months to start since I got my copy statements from A&L!

Just like Molly Monk tried I could not link to the spreadsheets, tried the google one but it is not simple enough for me:p . It would benefit from entries for the actual charges and the interest with maybe an explanation of how to enter data or ''how to use'' notes. I did Like the labour time and post charge claim so dont be put down, I am a hands on worker;) and a spreadsheet is for picnicing! Have a look at Martins money savers one, it doesn't need much working out to use it, could you do a mod like that?

Thanks

HH

 

 

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

 

 

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

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Hi, I am unable to access the spread sheets you have provided, the links will not allow me to connect. I have excell so it shouldnt be a problem.

 

Please could you advise.

 

Thanks

 

Mollythemonk

 

 

Same as Mollythemonk, cannot open the spreadsheet link. I have Open Office but when I click the link it does not allow me to connect.

 

Please help.

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Hello,

 

I am unable to open the links to any of the spread sheets provided. I have excel but this link is not opening. Any thougts as to why ??

 

Molly

 

Hi, I am unable to access the spread sheets you have provided, the links will not allow me to connect. I have excell so it shouldnt be a problem.

 

Please could you advise.

 

Thanks

 

Mollythemonk

 

Same as Mollythemonk, cannot open the spreadsheet link. I have Open Office but when I click the link it does not allow me to connect.

 

Please help.

 

It was working a few days ago im sure,but it aint workin now,just not connecting at all x

 

Could somebody PLEASE help these members access the spreadsheets ??

 

The links are not working.

 

Thank you so much. :)

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Could somebody PLEASE help these members access the spreadsheets ??

 

The links are not working.

 

Thank you so much. :)

 

Hi Bill - I should have posted here earlier but didn't have time whilst looking after my lil girl & getting ready to dash to work etc ... I've reported the unanswered posts asking for help from a mod/site helper etc & got a pm from Lively lad assuring me 'We will have a look at it.'

 

Hang in there guys - hoping the cavalry is on the way! ? :)

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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Include me on this request, I am now champing at the bit:D . All I need is an entry level, novice compatable, advanced contractual interest and charges calculator. And downloads too! luvley.

 

H&H

 

Charges from A & L, NATWEST, ABBEY.

 

Well I'm sorry no-one from the mod team has called by to answer this for you yet - Livelylad pm'd me this morning assuring me someone would - I'm sure it won't be too long now

 

I'm still happlily using the vamps sheets in the google chambers - did you have problems with these? You have to sign up first but it's free & easy so no bother there :)

 

here's the link to those if it helps ...

 

VAMPIRESS'S CHAMBER

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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Yep did gogle the google spreads, didn't see any usefull novice notes, BUT I just found a gread template which I downloaded and filled in the whole six years worth tonight. Mindzai has done a fantastic job on this, so glad I found it. You may want to add charges for time, post and preparation, someone has done a sheet for this too. Let me Know your opinion of Mindzai's compound sheet.

The link; http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html?highlight=compoundsheet_v1.9

 

Cheers

HH

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Yep did gogle the google spreads, didn't see any usefull novice notes, BUT I just found a gread template which I downloaded and filled in the whole six years worth tonight. Mindzai has done a fantastic job on this, so glad I found it. You may want to add charges for time, post and preparation, someone has done a sheet for this too. Let me Know your opinion of Mindzai's compound sheet.

The link; http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html?highlight=compoundsheet_v1.9

 

Cheers

HH

 

Yes I've seen Mindzais spreadsheet before & it's great! Remember this is just a spready for bank accounts not credit cards :)

 

oh & it claims compound contractual interest 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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can anyone clear something up for me? i've used mindzai's spreadsheet, altho i've only claimed on 1 account and then i only claimed the charges. this time i am entering debit interest(interest paid on penalties). what i don't understand is when i enter the debit interest of say £30.03 that they took from me and date etc the interest paid is £28.25 but it doesn't seem to add the the interst charged on ie the 30.03 + 28.05. now i may be one sandwich short of a picnic, but can someone explain this please?

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Thread Locked

because no one has posted on it for the last 929 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

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