I think I'm right in saying you have to stick to one thread. Just post a reply and it goes to the top of the 'new posts'

or even Coling !!(see post 4)

it was from reading your thread that made me go back & re-do my spreadsheet. I had been putting in the dates wrong and the interest was coming out too high. I ended up starting again on a fresh spreadsheet but it wasnt too bad as I had all the figures in front of me from the previous one. I was able to put the date in as eg. 18/05/2001 & it shows in full on the spreadsheet as this. As an example my claim is approx £1600 & the interest on penalties came in at just under £270

ok - lattie - I decided to give them a bit of an extension when I sent my revised schedule and told them their deadline was 19th March so I will leave it at that. I think I will send this updated amendment tomorrow & then just file on 19th without contacting them again. Sound ok? & thanks again for the example you sent in the pm

thanks pete too

I must now get myself familiar with the MCOL bit.

Yes I know that about the 8% interest but my revised schedule is for new figures for the 'interest on charges' that I messed up on the spreadsheet last time. I made it they came to approx £600, then found out I'd typed the dates in the wrong format from reading another thread, went back and amended it today and they've reduced to approx £270, so I was way out.

lattie & netty thank you so much. I think it all went wrong because of the way I was typing in the date.

I was going to send off the new schedule just so they have the correct figures in case they want to make an offer (hopes)

Ive already done the 8% spreadsheet & dated the interest for 19/3

It automatically picked up all my figures from the charges spreadsheet and listed 2 yellow colums (one for 8% on penalties and one for 8% on interest on penalties.) Can I use this as it is for the claim stage?

panic over - i've finally grasped it.

Claim is approx 1600 & OD interest now showing as approx £270.

I even managed to get the 8% spreadsheet to work. Can you confirm I put in the MCOL file date for that.

My only query now is that I now need to send another revised schedule of charges to Leeds. Will this be ok & shall I still stick to my dates. I should be filing on 19.3

help please

oh dear... have just been reading Wylie's thread & I think I have ballsed up big time on the spreadsheet (which I have sent off to Colin at Leeds as 'Revised'.) Forget about the 8% now I'm back onto the overdraft interest calculations.

I put my dates in this format 18.05.01 & my interest came out at 19.97 (637.00 total)

I've gone & changed date to 18/05/2001 and interest went down to 0.35

(havent done them all but should come to less than £20 on 30 transactions which seems not worth even claiming for).

Can someone do me a favour & see if they get same result on this example.

date penalty applied 19.7.01

charge 27.50

interest date 27.06.01

interest charged 32.09

balance at interest date -2544.13

I made it 35p

stressed out & and going for a coffee / cigarette break

still having no luck with the 8% interest spreadsheet. All my figures have gone on but the 8% column just reads #VALUE! Any ideas??

I now want to prepare my 8% interest spreadsheet. Do I date this for when I file with MCOL? How do I get the interest to add on? At the moment the cells are yellow and say #VALUE!

don't want to go off topic on this thread but it was Asda. I've got my receipt & the garage are going to do me a written report so I'll deal with it as and when.

....received cheque from asda today 24.3.07 - paid garage bill in full

right I think I'm happy with the revised schedule of charges so I am going to prepare a letter & get it sent off tomorrow.

Thanks to all for your help.

My mind is whirring with all this at the moment & as if I haven't got enough to think about my car is in the garage with "dodgy fuel" syndrome!

hello netty - good to have a post from you. have seen your name in so many threads. congrats on your win.

going back to my spreadsheet question - does it seem right to you??

firstly how do I message people - should I just post a reply on here or send individual pms??

thanks for your response lattie - my spreadsheet is showing 1600 charges, 650 ish interest. This is made up of a % of the interest charged but on some its giving me all of it. It is giving me a percentage for every transaction but I was overdrawn for all of these. that sound right? I havent done the 8% yet.

I've done the excel spreadsheet - (up till 2.30am this morning!!). I first filled in column J putting in my monthly overdraft and it came up with less than £200 interest. I then read further & realised this column should be left blank unless the overdraft was interest free. That changed the figure to over £600. Does that sound right? I was charged monthly interest. If so I will definately send an amended schedule. Also how do you delete the extra lines before printing?

And what date do I put in period to: ??

ok I'll have a go at that spreadsheet tomorrow. thanks for your help.

but before you do that can you keep my heading as pinkdutchess V. HSBC

thanks

yes please!! I'm just reading your success story btw!!

thanks - will stick to my original thread from now on!

thanks for your quick response. Yep I realise I need to work it out properly on the spreadsheet which I will do now tomororrow if only to satisfy my curiosity on how much it will be. If I decide its worth adding on I will send an amended letter to HSBC (shall I send direct to Colin Langdale where I sent my LBA?) & should I still stick to the LBA deadline as I only gave them 7 days? Sorry for so many questions in one go.

Sent LBA on 2 Mar 07 giving 7 days notice. I didn't claim for the overdraft interest but am still wondering if I should have done. If I do the spreadsheet can I send HSBC an amended claim amount before I do the MCOL???

just thought of something else. I orginally sent claim for £1600 (+ 8% interest).

I didnt realise I could claim the overdraft interest. Is it too late to check what this amounts to and add it on when I send the LBA.

I have no idea how much it would be. I went through all my statements & just added up the OD fees & excess OD fees.

To be honest I would just be happy to get the £1600 back if its too late but thought I'd ask before I do my LBA.

Hi guys

thanks for your replies.

So... 1st letter sent 14 Feb 07

due to send LBA 1st MAR - this allows 14 days from when they would have received the 1st letter - yes?

Any other posters out there sending their LBA on or near 1st Mar so I can keep an eye on your threads & give / receive encouragement?

Hello All

Have spent many evenings reading through threads on Martins money tips & finally sorted out my statements and realised I had approx. £1600 to claim back.

Sent off my first letter on Weds 14th Feb. claiming this plus the £8% interest as per Martins template letter.

I came across this site from one of Martin's threads and have been up all hours reading many facinating threads, especially the HSBC ones.

I hope you can assist me with my claim as now the letter has actually gone I'm feeling a bit queasy.

I need to send the LBA after 14 days - does this include weekends?

Can the bank stop me from paying by switch / cheque during the claim period?

Any particular advice I need at this initial stage??

Thanks in advance!!