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**Tilly** v Halifax again ***WON*** again


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okay pepes question:D

if you have charges that are due out in jan how do you add them on your spreadsheet friend doing her spready but it minus interest:confused: as we are not in 2008 yet :rolleyes: simple answer to it im sure just having a blonde day:lol: :lol:

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Try using this very user friendly one, courtesy of Mindzai (...v1.9)...

Bestest EVER spreadsheet, (cos it also allows U to calculate C.I. as well as s69 8%p.a. Interest), despite what caro may say!...lol

...Just change the date to what U want it to read!...;)

 

 

...lol...:D

 

 

ta muchly will keep it in mind :D

ooh hope your ready to hide nope to late caro spotted you:lol: :lol:

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I'm not even going to rise to it Tilly. I must have wasted 12 months giving my views on CI, then explained them again the other day. If anyone wants to know them there is a search facility. My personal favourite spreadsheet is the inappropriately named advanced spreadheet, which is actually quite simple, and located in the Bank Templates Library, which is linked in my sig. Spreadsheets are in item 6 I believe.;)

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm not even going to rise to it Tilly] My personal favourite spreadsheet is the inappropriately named advanced spreadheet, which is actually quite simple, and located in the Bank Templates Library, which is linked in my sig. Spreadsheets are in item 6 I believe.;)

 

whoooooooooooosh tills of to have a look lol

 

 

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If my memory serves me correctly caro...

When the different spreadsheets were 1st devised + put online, the consensus of opinion by those that understand the workings of the formulas etc, was that Mindzai's Spreadsheet was more mathmatically correct + was also much simpler to use.

I also understand that Vampiress herself, acknowledged it's all around suitability...:)

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...hehe no fisty cuffs now guys while im gone:o :D
We have already agreed to disagree re: C.I. Claims for Newbies or those that don't want to Claim it TT...;)

Spreadsheets are a different matter + LESS controversial (...at least to 4 decimal places they are!:rolleyes: )!!!...:p

...lol...:D

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I'll respond on your thread MTM, and then that will be my input on CI done.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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As a matter of fact I found the spreadsheet on Martin Lewis` site the easiest. and that only does the 8% interest, I suppose really it is to each his (or her) own. And Judges understand the 8% better !!! tongue00154kq.gif

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

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What I like about the advanced one on CAG is that it includes a reasonable calculation for the overdraft interest relating to the charges, as well as the 8%. I'm not too familiar with the MSE stuff, and I'm not sure if his includes that. As you say, it's what's best for each person.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well done Tilly. I reckon that deserves a drink.:p

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Oh please Caro, dont encourage her!! :eek:

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I don't think she needs any encouragement SSL.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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