and every time i input 05/07/2005 it flips back to 07/05/2005 in the CLAIM FROM box

Thiung is that I cannot see FILE on my menu bar to go to the other settings...

I cannot find a format for dd/mm/yyy unless i use custom

Thanks however what i have done is selected the date column downwards....gone to format cells...clicked custom and now all the dates are in dd/mm/yyyy fprmat but nothing else has changed

I am using the Excel that I copied link from directed by dx100uk to a link ...my own excel is 2007 but I am not using that as the spreadsheet is from fosc1v101 whatever that means

2007

How do I do that ? which tab or icon do I click?

Hi The statements should give you the settlement figures of each loan. In some instances they show the adjustment for the rebate of PPI as well, just immediately before the entry for the settlement. Thanks for that ims I shall look in the HBOS SAR package to see all available inforation tomorrow...BUT right now I an trying to get to grips with Excel Spreadsheet I am using fos spreadsheet for MBNA credit Card PPI hope that is correct for monthly PPI premiums tnks

Excel

Ims...I am correcting the above format into for example for the first entry from 5/7/2005 to 05/07/2005 but when I hit the enter button it defaults back to the 5/7/2005 format...doh!!!

thank you so much ims i'll get the date format corrected cos this is what it looked like COMPOUND INTEREST CALCULATOR - REGULATORY METHOD PERSONAL DETAILS CLAIM CALCULATION Claimant Name: Total of Charges £0.00 Lender Name: MBNA Compound Interest #VALUE! Account Number: Claim From: 07/05/2005 Claim To: 14/06/2010 Total #VALUE! Interest Rate (APR): 19.90% "Date of Charge" Description "Amount of Charge" "Number of Months Elapsed" "Compound Interest" 5/7/2005 POSTED CREDIT INSURANCE FEES £2.80 #VALUE! #VALUE! 3/8/2005 POSTED CREDIT INSURANCE FEES £2.72 #VALUE! #VALUE! 5/9/2005 POSTED CREDIT INSURANCE FEES £2.71 #VALUE! #VALUE! 4/10/2005 POSTED CREDIT INSURANCE FEES £2.70 #VALUE! #VALUE! 3/11/2005 POSTED CREDIT INSURANCE FEES £2.94 #VALUE! #VALUE! 5/12/2005 POSTED CREDIT INSURANCE FEES £2.86 #VALUE! #VALUE! 5/1/2006 POSTED CREDIT INSURANCE FEES £2.78 #VALUE! #VALUE! 3/2/2006 POSTED CREDIT INSURANCE FEES £2.70 #VALUE! #VALUE! 3/3/2006 POSTED CREDIT INSURANCE FEES £2.61 #VALUE! #VALUE! 4/4/2006 POSTED CREDIT INSURANCE FEES £2.85 #VALUE! #VALUE! 3/5/2006 POSTED CREDIT INSURANCE FEES £2.64 #VALUE! #VALUE! 5/6/2006 POSTED CREDIT INSURANCE FEES £2.56 #VALUE! #VALUE! 4/7/2006 POSTED CREDIT INSURANCE FEES £2.63 #VALUE! #VALUE! 3/8/2006 POSTED CREDIT INSURANCE FEES £0.20 #VALUE! #VALUE! 4/4/2007 POSTED CREDIT INSURANCE FEES £19.68 #VALUE! #VALUE! 3/5/2007 POSTED CREDIT INSURANCE FEES £19.03 #VALUE! #VALUE! 5/6/2007 POSTED CREDIT INSURANCE FEES £18.95 #VALUE! #VALUE! 4/7/2007 POSTED CREDIT INSURANCE FEES £18.97 #VALUE! #VALUE! 3/8/2007 POSTED CREDIT INSURANCE FEES £20.51 #VALUE! #VALUE! 4/9/2007 POSTED CREDIT INSURANCE FEES £4.86 #VALUE! #VALUE! 3/10/2007 POSTED CREDIT INSURANCE FEES £4.81 #VALUE! #VALUE! 5/11/2007 POSTED CREDIT INSURANCE FEES £4.75 #VALUE! #VALUE! 4/12/2007 POSTED CREDIT INSURANCE FEES £4.72 #VALUE! #VALUE! 4/1/2008 POSTED CREDIT INSURANCE FEES £4.68 #VALUE! #VALUE! 5/2/2008 POSTED CREDIT INSURANCE FEES £4.65 #VALUE! #VALUE! 4/3/2008 POSTED CREDIT INSURANCE FEES £4.67 #VALUE! #VALUE! 3/4/2008 POSTED CREDIT INSURANCE FEES £4.65 #VALUE! #VALUE! 3/5/2008 CREDIT INSURANCE PLAN COVERAGE £4.62 #VALUE! #VALUE! 4/6/2008 CREDIT INSURANCE PLAN COVERAGE £0.86 #VALUE! #VALUE! 3/7/2008 PAYMENT PROTECTION COVER £0.86 #VALUE! #VALUE! 5/8/2008 PAYMENT PROTECTION COVER £0.82 #VALUE! #VALUE! 3/9/2008 PAYMENT PROTECTION COVER £0.76 #VALUE! #VALUE! 3/10/2008 PAYMENT PROTECTION COVER £0.72 #VALUE! #VALUE! 4/11/2008 PAYMENT PROTECTION COVER £0.66 #VALUE! #VALUE! 3/12/2008 PAYMENT PROTECTION COVER £0.60 #VALUE! #VALUE! 5/1/2009 PAYMENT PROTECTION COVER £0.53 #VALUE! #VALUE! 4/2/2009 PAYMENT PROTECTION COVER £0.51 #VALUE! #VALUE! 4/3/2009 PAYMENT PROTECTION COVER £0.47 #VALUE! #VALUE! 3/4/2009 PAYMENT PROTECTION COVER £0.42 #VALUE! #VALUE! 5/5/2009 PAYMENT PROTECTION COVER £0.38 #VALUE! #VALUE! 3/6/2009 PAYMENT PROTECTION COVER £0.33 #VALUE! #VALUE! 3/7/2009 PAYMENT PROTECTION COVER £0.28 #VALUE! #VALUE! 5/8/2009 PAYMENT PROTECTION COVER £0.22 #VALUE! #VALUE! 3/9/2009 PAYMENT PROTECTION COVER £0.17 #VALUE! #VALUE! 5/10/2009 PAYMENT PROTECTION COVER £0.87 #VALUE! #VALUE! 4/11/2009 PAYMENT PROTECTION COVER £0.86 #VALUE! #VALUE! 3/12/2009 PAYMENT PROTECTION COVER £0.32 #VALUE! #VALUE! 5/1/2010 PAYMENT PROTECTION COVER £0.27 #VALUE! #VALUE! 3/2/2010 PAYMENT PROTECTION COVER £0.22 #VALUE! #VALUE! 3/3/2010 PAYMENT PROTECTION COVER £0.17 #VALUE! #VALUE! 5/4/2010 PAYMENT PROTECTION COVER £0.13 #VALUE! #VALUE! 5/5/2010 PAYMENT PROTECTION COVER £0.10 #VALUE! #VALUE! 3/6/2010 PAYMENT PROTECTION COVER £0.10 #VALUE! #VALUE! thanks once again...I shall amend the date column as you mentioned m2ae:humble:

Where would I find these details.... And also just as an aside...I am using the COMPOUND INTEREST-REGULATORY METHOD (SHEET 4).....to calculate an MBNA Credit Card PPI refund claim...I have filled in the columns for 'Date of Charge'....'Description'....'Amount of Charge'...BUT...which button do I click for total including interest......the other columns just say value...and the top boxes that say TOTAL OF CHARGES still says nil...COMPOUND INTEREST says #VALUE and TOTAL says #VALUE In the column 'Number of Months Elapsed' all the cells below it simply say #VALUE in the column 'Compound Interest' all the cells below say #VALUE.. ...I have not got a clue what is going on...thank goodness i am re hydrating on water...otherwise I 'd have a headache..anyway...I'm signing off as I am getting tired and mind is wandering..but dont seem to be going anywhere:ballchain: I NEED HELP PLEASE ARGGGGGGGHHHHHH!!!...10...9....8...7....6.....5...mmmmm Thanks ims

I'll check back on the paperwork... just aside...I have been using the FOS spreadsheet for MBNA credit card...have punched in all dates of charges,description and amount of charges...I have come to the end taken of cust Acct Information...So now which button do I press to get the total including interest... I am leaving the spreadsheet open until I get advice... thanks

Good Morning ims...thanks for your reply At moment I have not put in an offer and there has been no offer from them as I am at the calculation stage and just received SARs from which the details below are derived... ALL ACCOUNTS ARE NOW CLOSED AND BALANCE IS NIL ...so..... NO SET OFFS!!! THESE ARE ALL UNSECURED LOANS I have three copies of loans from Halifax...as result of SAR request...2001....2002 and 2004..the first is an original loan consolidated by 2 subsequent loans in 2002 and 2004 2001..ORIGINAL loan for 5000...repayment period 3 yrs DETAILS cash loan £5000 total charge for credit for cash loan £1229.08 total amount you pay for cash loan £6229.08 INSURANCE LOAN(Cash price of Insurance £788.62 TOTAL CHARGE FOR CREDIT FOR INSURANCE LOAN £193.82 TOTAL AMOUNT YOU PAY FOR INSURANCE LOAN £982.44 You have to pay total the loan and interest by 36 monthly payments of £200.32 APR 15.9% Monthly Interest 1.240% Total Loan £5,788.62 Total Charge for credit for total loan £1,422.90 (The total charge for credit) Total Amount you pay £7,211.32 The 2002 Consolidating Loan is as follows cash loan £10,000 total charge for credit for cash loan £2,336.60 total amount you pay for cash loan £12,336.60 INSURANCE LOAN(Cash price of Insurance £1,877.56 TOTAL CHARGE FOR CREDIT FOR INSURANCE LOAN £438.44 TOTAL AMOUNT YOU PAY FOR INSURANCE LOAN £2,316.00 You have to pay total the loan and interest by 60 monthly payments of £244.21 APR 8.9% Monthly Interest 0.716% Total Loan £11,877.56 Total Charge for credit for total loan £2,775.04 (The total charge for credit) Total Amount you pay £14,652.60 The 2nd Consolidating loan is 2004 cash loan £15,000 total charge for credit for cash loan £3,166.20 total amount you pay for cash loan £18,166.20 INSURANCE LOAN(Cash price of Insurance) £3,149.63 TOTAL CHARGE FOR CREDIT FOR INSURANCE LOAN £664.57 TOTAL AMOUNT YOU PAY FOR INSURANCE LOAN £3,814.20 You have to pay total the loan and interest by 60 monthly payments of £366.34 APR 7.5% Monthly Interest 0.608% Total Loan £18,149.63 Total Charge for credit for total loan £3,830.77 (The total charge for credit) Total Amount you pay £21,980.40 The above are all the figures.... I know I should input myself but can you tell me what the REFUND would be for him with regards to all of the above...He is coming round this afternoon and it would be nice to give him a figure towards his wifes holiday as they are both in their late 60's... A donation will be given by way of this one as it appears to be quite a lump...I calculated it to be approx 5,200 using Blake Lapthorn calculatorbut whether that uses comopund i dont know.... Thanks so much for your time:smile:

Thanks for that speedy clarifcation dx... So its just a matter of putting in the APR 19.9% constant in the main box...... date of that particular ppi repayment ...then the description(1.e PPI)...then the actual figure of repaymentFOR THAT MONTH...and the calculator calculates itself...correct. Once the sheet has finished..do I print out the sheet and use it as evidence sent by post to Lender.... And how does this calculator differ from Blake Lapthorn where all you do is put in principal sum and start date and end date and then press claculate Thanks dx much appreciated for clarifications

With regards to the payments missing from Oct 2003 until 2005.. .I shall assume that monthly payments for ppi were being paid at the amount that they appear for the most part during 2005 and 2010...approx £2.20. .and then once all compounded in spreadsheet compare total in spreadsheet with the offer of £380.00 they have offered... But can you give me answers to questions in post 16 so that I can put in the correct figures into the correct CELLS... Thanks guys You have certainly been both busy according to the posts over the last few days.. .but really...your help is most appreciated.. I have for a long time been a spectator on members calculating PPI using spreadsheets but now it is my own practical experience which is in turn.. .and it would be great also for me to give our members practical advice on how to calculate. .so as to take burden off you all.. .thats what this site is about Thanks again...

I had a debt with Capital One and Lowells were their bottom feeders...I successfully managed to remove my default from Credit File and Account was closed...this was OVER a year and half ago...I received a letter from LOWELLS evidencing this fact too... I went thru s78 and s61 CCA1974 requests and exhausted my knowledge of Consumer Legislation I threw the whole kitchen sink at them.. Sometimes common sense and simplicity works without having to use complex legislation......A combination of factors contributed to this...first of all I had PPI on this Cap one Account which failed to pay out when I was sick... I claimed that the causal effect of this denial led to consequential losses I threatened Lowells with damages etc... I used the 'but for' legal causal test....but for ppi not being paid out I would not have gone into arrears and suffered all the following consequential negative effects..i.ie credit file... character...employment impact..etc... OR use the argument that you were told that it was a condition of securing your loan that PPI was taken out as well...it all depends on YOUR own facts ...use the argument that suits your own circumstances and that they have not paid out...IF they did not pay out.. ..suitability ..unemployed at time ..pre-existing medical conditions... ...etc...whichever of circumstances that applied to you..USE..the above are but a few... YOU CAN get this removed if you use the right argument... PPI has been a bane in the flesh of Credit Agreements Since my removal PPI has become more public....use the' failure to payout route'...to get your default removed....provided you get the facts and circumstances right. u can too using the RIGHT argument Wish you well....

And...how would the above actually be inputted into the spreadsheet 'Statint'...i.e which figures...the £5000, £10000, or £15000 and their associated lump sum PPI's any advice would most grateful and certainly get me off the ground!!! hee hee

A General Question please Right then...just a few preliminaries before I confirm whether the offer they made was correct... 1 PPI was added to account in Oct 2003...but Cust Acct Info inSAR only goes back to 2005...how do I calculate from Oct 2003-2005 2. In the Sheet 4...what does 'Amount of Charge' mean...is it the actual monthly repayment 3.The APR started of the main loan was 19.9%...do I need to check monthly to see if it varies for that particular month and then put that new figure in the APR box...I ask this question because in the NOTES section it states that that box should not be interfered with Advice most appreciated for this Credit Card Calculation Thanks m2ae

Right then...just a few preliminaries before I confirm whether the offer they made was correct... 1 PPI was added to account in Oct 2003...but Cust Acct Info inSAR only goes back to 2005...how do I calculate from Oct 2003-2005 2. In the Sheet 4...what does 'Amount of Charge' mean...is it the actual monthly repayment 3.The APR started of the main loan was 19.9%...do I need to check monthly to see if it varies for that particular month and then put that new figure in the APR box...I ask this question because in the NOTES section it states that that box should not be interfered with Advice most appreciated for this Credit Card Calculation Thanks m2ae

lol...thanks again dx100uk That is excellent... In the Stat sheet...(1) Is that appropriate for consolidated loans..I guess that is what was meant when stated as 'rollover loan'..am I correct in thinking that...and would it be the 3rd consolidating loan's details ONLY that would be put into the excel cells /i am referring to Halifax BOS loan 1 was original loan loans 2 and 3 were consolidating loans...I know this is MBNA thread but the answer would apply generally thank you

Many thanks for your help dx100uk I am doing a number of claims for the gent and will be donating to the site by P.O once results start coming in ... Just to avoid confusion this thread WILL be about the refunds from HALIFAX BANK OF SCOTLAND as it appears from SAR that there is an original loan WITHOUT a signature on the Personal Loan Application Form relating to PPI..this has then been subsequently consilidated by 2 further subsequent loans. UNSECURED LOAN-NOT CREDIT CARDS First loan £5000 Second Loan (Consolidation) £10000 Third Loan(Consolidation) £15000 The SAR shows no sig in box for Original PPI but shows siggys in both subsequent consolidation loan elderley gent states he has no recollection of ever signing for the second 2... The Insurance total for 3rd loan is approx £3500 NOT includind interest... I have not replied with figures yet as concentrating at moment on his MBNA...but shall start on this issue next week... Any advice most welcome... Figures will be given next week

We also received a confirmation that PPI was added to the account in October 2003...MBNA credit Card... .I have calculated the number of actual premiums paid going back as far as 2005 ONLY as Cust Inf Sheet shows only that far... .However I have assumed that AMOUNT of payments were same going back to Oct 2003 and have followed FOS approach to Regular Credit Card PPI Refunds... The Premiums paid every month did not go above £2.20 except on a copule of occasions when there were £20.00 and £18.00 payments.. Factoring this in and assuming that %8 had also been applied it seems that £370.00 seems about right.. I have not used any spreadsheets as I am a newbie to that ..lol Simply using thumb of rule as yardstick... Does anyone advise that this is reasonable to accept. Tthank you all

Rgiht ...recieved offer for approx £370.00 on actual premiums of about £180.00 does this sound about right...how shall I calculate the figures to see if it IS right for the elderley gent..I have SAR and all cust account info that goes back to 2005...but screenshot shows account opened in 1991..duh!!! How and where do I see interest to be applied and if it varies throughout how do i apply those new figures and to what...your advise would be much appreciated on this

Well done mate....the timeline has been same for me but the offer for my friend appears to be low