Letter 3 - ignored/no response

[Foo]

apologies for a being a blonde lol

 

if you have not recieved a reply you now to start filing your n1 or mcol

 

N1 Claims form in .PDF format with form filling

 

Moneyclaim - start your County Court claim online

 

http://www.consumeractiongroup.c o....t.html?garpg=9

 

you might already have these links but i put them here just in case

the form for exemption is the ex 160 you need a recent copy of a letter of the beniefit your on

you can save the mcol online but the n1 will not save you have to fill it out and print it of hope this helps

 

thanks, its been pointed out.

 

 

please please please change your font.

[overflow]

Hi Tilly

 

How you doin today.

No one pickin on you today then LOL:)

[Foo]

Hi Tilly

 

How you doin today.

No one pickin on you today then LOL:)

 

 

i was just starting with the font. How can you shout in pink?

[**Tilly**]

PINK..................

[Foo]

:-) Thank you my friend.

 

as i thought: court claim,schedule & 8%.

 

about the interest, do i add 8% on the total charges? or is it a % per year????

 

just want to make sure it is correct figures when applying.

 

thank you.

 

??

[**Tilly**]

if you use one of these spreadsheets it caculates it all for you

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

Interest calculation spreadsheets

[Foo]

if you use one of these spreadsheets it caculates it all for you

 

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

 

Interest calculation spreadsheets

 

ive only got about 7 charges. do i take the % from the day the charge was taken? the day i started my claim?

 

if i dont know which it is then how would i know if the figure is correct?

 

i got a good head on me when it comes to figures but im not so buff with XL. so im happy to calculate it myself.

 

just dont know when i should apply the interest to my charges whether from charge date,claim date etc and then at what rate? 8% daily from charge, 8% for total charges from date of claim?

[sea-sidelady]

You could use the interest calculater...

 

http://www.consumeractiongroup.co.uk/chargeinterest.php

[Foo]

You could use the interest calculater...

 

http://www.consumeractiongroup.co.uk/chargeinterest.php

 

cheers thats ideal really but it only goes upto 2006.

 

is there one that hit 2007 at all or is there a reason why its not dated upto 2007?

 

 

thanks.

[Foo]

ive added an extra year to the charge and set it at todays date for 2006 so the days interest will be the same still. (hopefully)

[sea-sidelady]

Please can you keep to one thread as it is harder to help you when you have serveral on the go.

[overflow]

cheers thats ideal really but it only goes upto 2006.

 

is there one that hit 2007 at all or is there a reason why its not dated upto 2007?

 

 

thanks.

 

 

HI Foo

 

Dont you think it might be better for you to use one of the spreadsheets even if you say you havent got many charges. They do everything for you ,give you the daily charge as well.

There are notes explaining what to do as well.

 

One thing has me puzzled though, Have you not sent in a schedule of charges yet. Your meant to send it in with your Prelim to let the Bank know exactly what it is your claiming and show how you arrived at the said figure.

You know there are an awful lot of threads on here that will explain just what to do step by step. I know its a bit of a pain having to look through them but it makes for some very interesting reading and you'll be suprised at the amount of stuff you learn.

 

One other thing as well ,I couldnt help notice that youve quoted a message that I sent to Tilly in an earlier post,

Tilly Posted a message to me lastnight to say she was being picked on , didnt read it till today, hence the message.

Now I hope you didnt take it the wrong way, thinking it was aimed at you for mentioning Tillys Pink txt.

I would never disrespect anybody on this site as there are too many fantastic people here who have helped me with my claim and given me really good ,sound advice . Especially Tilly, a wise old bird, knows just what shes talkin about,

She may write in Pink but if you listen to her words of wisdom you wont go wrong.

 

My appologies if you did take that remark out of context , it wasnt meant to take a pop really,

.

Good Luck with your claim

[sea-sidelady]

You do need to make a spread sheet as advised in the above thread.

Use this link and use the simple one.

VAMPIRESS'S CHAMBERS

 

The links Tilly gave you were the ones you need. The are quite easy to do, and if you get stuck, some one will help you.

 

 

If you are claiming at court, you will need them.

 

I think you should have a read of this, it will help you.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Everything you need to carry on with your claim is on this thread.

[Foo]

went to my bank to day to find out when i oened my account, knowing it was around when i was 15 as thats when i left school and started work which should of been around 1987/88ish. on the system today it said account was opened in 1991! the cashier said this would of been done due to your age probably and just upgraded from a cardcash account to a current account automatically. i asked if they could supply me with a copy of my signed contract from that date or from the actual date i originally signed up for them, they said they wouldnt be able to supply me with that as they only keep data for 6 years.

 

i wanted it for 2 reasons.

1. for the court claim form to enter when my account was opened.

 

2. if it did go to court, hopefully i could prove i was a minor when i originally opened and signed upto the account.

 

as for the N1 form what date should enter into it? my original date(or thereabouts) or the date they have on the system?

 

either way they say they have no record of my contract.

 

any ideas?

 

thanks.

[Foo]

HI Foo

 

Dont you think it might be better for you to use one of the spreadsheets even if you say you havent got many charges. They do everything for you ,give you the daily charge as well.

There are notes explaining what to do as well.

 

One thing has me puzzled though, Have you not sent in a schedule of charges yet. Your meant to send it in with your Prelim to let the Bank know exactly what it is your claiming and show how you arrived at the said figure.

You know there are an awful lot of threads on here that will explain just what to do step by step. I know its a bit of a pain having to look through them but it makes for some very interesting reading and you'll be suprised at the amount of stuff you learn.

 

One other thing as well ,I couldnt help notice that youve quoted a message that I sent to Tilly in an earlier post,

Tilly Posted a message to me lastnight to say she was being picked on , didnt read it till today, hence the message.

Now I hope you didnt take it the wrong way, thinking it was aimed at you for mentioning Tillys Pink txt.

I would never disrespect anybody on this site as there are too many fantastic people here who have helped me with my claim and given me really good ,sound advice . Especially Tilly, a wise old bird, knows just what shes talkin about,

She may write in Pink but if you listen to her words of wisdom you wont go wrong.

 

My appologies if you did take that remark out of context , it wasnt meant to take a pop really,

.

Good Luck with your claim

 

could use spreadsheets but just as easy to work it out with calc rather than trying to work out spreadsheets with instructions etc. each to their own. ive done that now so all is a cool.

 

sent my schedule with the prelim and the LBA letter. includinding charge made and when and now done a new one with interest added.Spent many a time reading threads,stickys,template,library eyc etc. you having done it already i must seem confident in what your doing, myself having never done just requires a little confidence back aswell as a little guidance, which you have done. many thanks.

 

 

As far as tilly is concerned, well, i came just asking for a little help and no disrespect meant at all, but providing outside links with little or no info about them isnt really helping me, its just adding to pressure and mental information levels. I fealt as though tilly is trying hard to help but instead of giving me an answer it ends up being a link or that she has misread my post. I didnt say any of this as i didnt want to hurt anyones feelings but as you bought it up that she was being picked on then i really got no idea what she is on about unfortunately.

 

to be fair, the PINK text and at the size font it is, doesnt make eye friendly reading, more as a joke i said 'please sort your pink font out' or similar. that about sums it up really.

 

i really do appreciate you guys helping and including tilly.

 

if anyone wants to quote me for anything that may of upset tilly then please do.

 

thanks.

[Foo]

You do need to make a spread sheet as advised in the above thread.

Use this link and use the simple one.

VAMPIRESS'S CHAMBERS

 

The links Tilly gave you were the ones you need. The are quite easy to do, and if you get stuck, some one will help you.

 

 

If you are claiming at court, you will need them.

 

I think you should have a read of this, it will help you.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Everything you need to carry on with your claim is on this thread.

 

 

i have no idea what im choosing or selecting, remember i have never ever done this before.

 

anybody care to translate?

 

VAMPIRESS'S CHAMBER

I am a fan of Google spreadsheets and am providing some copies of what is

here in Google format for those of you who do not have Excel or Works or just prefer to use Google.

I also include spreadsheets for calculating compounded interest but am not personally convinced of the legal arguements, so please don't ask me any questions on this area.

Please read my guides and ask any further questions on the CAG forum.

 

PLEASE ALERT ME IMMEDIATELY IF YOU THINK ANY FORMULAE OR SPREADSHEETS ARE INCORRECT OR CORRUPTED

Please state the number of the spreadsheet you are using if you have any questions.

 

VAMPIRESS'S SHORT GUIDE TO INTEREST

VAMPIRESS'S SHORT GUIDE TO HER SPREADSHEETS

 

 

BANK PENALTY CHARGES CLAIM CALCULATIONS

ENGLAND AND WALES

SIMPLE VERSION - choose to claim all or no bank interest

1 Throughout claim with contractual interest HERE

OR

2 Throughout claim with compounded contractual interest HERE

OR

3a Before court without interest HERE

3b From claim date with statutory interest HERE

ADVANCED VERSION - estimate bank interest charged on penalties

4 Throughout claim with contractual interest HERE

OR

5 Throughout claim with compounded contractual interest HERE

OR

6a Before court without interest HERE

6b From claim date with statutory interest HERE

 

SCOTLAND

SIMPLE VERSION - choose to claim all or no bank interest

7 Without compounded interest HERE

OR

8 With compounded interest HERE

ADVANCED VERSION - estimate bank interest charged on penalties

9 Without compounded interest HERE

OR

10 With compounded interest HERE

 

CREDIT CARD CHARGES CLAIM CALCULATIONS

ENGLAND AND WALES

SIMPLE VERSION - choose to claim all or no bank interest

12 Throughout claim with contractual interest HERE

OR

13 Throughout claim with compounded contractual interest HERE

OR

14a Before court without interest HERE

14b From claim date with statutory interest HERE

ADVANCED VERSION - estimate bank interest charged on penalties

15 Throughout claim with contractual interest HERE

OR

16 Throughout claim with compounded contractual interest HERE

OR

17a Before court without interest HERE

17b From claim date with statutory interest HERE

 

SCOTLAND

SIMPLE VERSION - choose to claim all or no bank interest

18 Without compounded interest HERE

OR

19 With compounded interest HERE

ADVANCED VERSION - estimate bank interest charged on penalties

20 Without compounded interest HERE

OR

21 With compounded interest HERE

 

FAST TRACK N260 BACK-UP

N260 Form

22 N260 Form calculation HERE

 

BUDGETING AND CASHFLOWS

 

23 Budget report HERE (Thanks to Jonni2bad)

 

24 Cashflow report Incomplete - work in progress

 

CONSOLIDATION LOAN INTEREST CLAIM CALCULATION

 

25 Without statutory or contractual interest HERE

 

26 With statutory or simple contractual interest HERE

 

27 With compounded contractual interest HERE

 

 

 

 

Google Docs & Spreadsheets -- Web word processing and spreadsheets.

[Foo]

Have Quoted this from another thread as i realise i should be keeping all myposts in one thread. and on that note ill rename the thread as im sure most pppl have done when first visiting here.

 

 

went to my bank to day to find out when i oened my account, knowing it was around when i was 15 as thats when i left school and started work which should of been around 1987/88ish. on the system today it said account was opened in 1991! the cashier said this would of been done due to your age probably and just upgraded from a cardcash account to a current account automatically. i asked if they could supply me with a copy of my signed contract from that date or from the actual date i originally signed up for them, they said they wouldnt be able to supply me with that as they only keep data for 6 years.

 

i wanted it for 2 reasons.

1. for the court claim form to enter when my account was opened.

 

2. if it did go to court, hopefully i could prove i was a minor when i originally opened and signed upto the account.

 

as for the N1 form what date should enter into it? my original date(or thereabouts) or the date they have on the system?

 

either way they say they have no record of my contract.

 

any ideas?

 

thanks.

[overflow]

Hi Foo

 

First things first, the reference I made to Tilly was a joke ,Shes always jokin around but if you hadnt read her thread then you wouldnt know and Please dont worry Im sure no-one thought you were being disrespectful . That said lets put it to bed.ok.

 

NOW I understand your worries really I do , we've all been there so just relax.

Its easy for me to say I know but you WILL get the hang of things and pretty soon be much more confident .

 

I said that I used Mindzai's spreadsheet , the reason being if Im honest is that I could NOT for the life of me work out Vampiras. Im sure its great cause so many people use it and all power to her for putting it on here but, it must just be me cause i just could not get my head round it.

As for me being confident Dont you believe it, read my thread and youll see what I mean , LOL . I sometimes think I couldnt organise the proverbial P**s up in a brewery.

 

If you try the one Ive used its really easy.

Just put your details in ; name account number interest rate .

Then put all your charges in the columns provided.

Date first charge then what it was for Ive just put "charges" and then the amount.

Do all your charges first in the left coloumn then do the right one with all the interest. Its date first thenamount then balance (put a minus before amount if you are in the red)

once youve done all that youll see it calculates everything up for you so all you need then is to print it off.

 

I dont know if you know you dont mention the 8% interest untill you send off the N1 to court.

 

Hope this will help you anything else you need just yell ok.

 

Regards

[overflow]

BTW you'll find the link for that spready under Mindzai v Abbey .

[Foo]

Hi Foo

 

First things first, the reference I made to Tilly was a joke ,Shes always jokin around but if you hadnt read her thread then you wouldnt know and Please dont worry Im sure no-one thought you were being disrespectful . That said lets put it to bed.ok.

 

NOW I understand your worries really I do , we've all been there so just relax.

Its easy for me to say I know but you WILL get the hang of things and pretty soon be much more confident .

 

I said that I used Mindzai's spreadsheet , the reason being if Im honest is that I could NOT for the life of me work out Vampiras. Im sure its great cause so many people use it and all power to her for putting it on here but, it must just be me cause i just could not get my head round it.

As for me being confident Dont you believe it, read my thread and youll see what I mean , LOL . I sometimes think I couldnt organise the proverbial P**s up in a brewery.

 

If you try the one Ive used its really easy.

Just put your details in ; name account number interest rate .

Then put all your charges in the columns provided.

Date first charge then what it was for Ive just put "charges" and then the amount.

Do all your charges first in the left coloumn then do the right one with all the interest. Its date first thenamount then balance (put a minus before amount if you are in the red)

once youve done all that youll see it calculates everything up for you so all you need then is to print it off.

 

I dont know if you know you dont mention the 8% interest untill you send off the N1 to court.

 

Hope this will help you anything else you need just yell ok.

 

Regards

 

:p

 

right im go through the link you put(like you say vampiras looks a nightmare. if i get the wrong one im shafted)

 

 

one thing im querying, add a - if im in the red. you mean if the charge meant me going over drawn and that it left my account in debt?

 

cheers. nice and easy replies is the way forward. Nice1

[jontah 2006]

"bumped"

[stonedecroze]

Hi FOO

try asking them for information about ALL accounts held in your name, as they will have upgraded your account when you were 18 as you say. send them another SAR asking for this and if they do not reply within the 40 day limit report them to the ICO. at least that`s what I would do. and just follow the advice that the three musketeers are giving you THEY ARE BRILL!! ( even if they do take swipes at each other )(it`s the age you know ) I DON`T KNOW WHERE I WOULD BE WITHOUT THEIR HELP

 

[Foo]

BTW you'll find the link for that spready under Mindzai v Abbey .

 

 

cheers. quick scan of the abbey forum and the search function brings NO results.

 

any chance of a hint of the link location?

[Foo]

Hi FOO

try asking them for information about ALL accounts held in your name, as they will have upgraded your account when you were 18 as you say. send them another SAR asking for this and if they do not reply within the 40 day limit report them to the ICO. at least that`s what I would do. and just follow the advice that the three musketeers are giving you THEY ARE BRILL!! ( even if they do take swipes at each other )(it`s the age you know ) I DON`T KNOW WHERE iIWOULD BE WITHOUT THEIR HELP

 

 

 

before i read that, may i compliment you on a most excellent font

 

(old joke, never mind)

[stonedecroze]

before i read that, may i compliment you on a most excellent font

 

(old joke, never mind)

 

 

THANK YOU, KIND LADY. It pleases me to find some one with such excellent taste.