Thanks for the speedy reply Michael!
I've used that spreadsheet and printed it out. When you enter the interest date and interest chgd, I just took the amounts from my statements, 'cause that's all the info I have, is this right? I've entered the balance of account at interest date, only on three occasions out of ten was I in credit when they charged it.
For example - I was £1189 o/d when they applied £125 fee and £6.46 o/d interest, but that interest is for the month up to 7 Dec... oh and the £125 fee is up to 7 Dec as well. So that knocked me further over.
So if I was in credit when the o/d charge was applied, I'd have to look at the previous month and work out the daily rate for the days I was o/d??
Or just add the o/d interest charge on if I was o/d during the previous month?
Am I complicating this more than it really is?!
Should I just not bother with the interest, it seems to complicated to calculate!
Sarahab7