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Hi all

I was talking to a cagger re my claim as I cannot get the forums spreadsheet to work & cannot get my head around working out the interest. I have put my claim onto the spreadsheet but cant get it to work it out I will try & add it as an attachment at the end if anyone can help. Now for the really weird thing I was working out my claim from the papers LTSB sent & for ages now I have owed £1263.85 & have tried to close my A/c down to stop incurring more charges. I was told I couldnt as I owed money. Today however looking at the final page to my statements I noticed it said "07 Aug09 CLOSED ACCOUNT" when I looked further it stated that on the "07Aug09 DEP TFR TO CDR" & UNDER THE COLUMN PAID IN £1,304.17 :eek: leaving me with £22.15 in my A/c then after 2 lots of O/DRAFT INTEREST @ 20.28 & 1.87 comes to exactly £22.15 leaving my A/c at zero. WHATS GOING ON? anybody got any ideas & what is the DEP TFR TO CDR mean. :confused: Even if theyve wiped out my A/c I'm sure they will still owe me.

ps Tried to import Excel doc but I cannot get it to the forum, any ideas.:oops:

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I have tried every way to get the simple excel spreadsheet onto the forum so I am going to cut & paste. I was hoping someone could tell me if it is right & how do I go about restitutional charges & overdraft interest etc? Sorry to be such a numbskull but I find it all so complicated. Also my post above what are your views on that Re: Lloyds sending me a statement saying I now no longer owe nil my A/c is zero on my debit A/c & A/c now closed.

O/DRAFT USAGE FEE

£25.00

01/06/2001

3058

£16.82

O/DRAFT INTEREST

£0.38

02/01/2002

2844

£0.24

O/DRAFT USAGE FEE

£25.00

02/01/2002

2844

£15.64

O/DRAFT USAGE FEE

£25.00

01/02/2002

2814

£15.48

O/DRAFT INTEREST

£0.12

01/07/2002

2662

£0.07

O/DRAFT EXCESS FEE

£60.00

01/07/2002

2662

£35.14

O/DRAFT INTEREST

£0.11

02/09/2002

2599

£0.06

O/DRAFT INTEREST

£0.94

01/11/2002

2539

£0.53

O/DRAFT EXCESS FEE

£40.00

01/11/2002

2539

£22.34

ACCOUNT CHARGE

£8.00

01/05/2003

2358

£4.15

ACCOUNT CHARGE

£8.00

02/06/2003

2326

£4.09

ACCOUNT CHARGE

£8.00

01/07/2003

2297

£4.04

O/DRAFT EXCESS FEE

£20.00

01/08/2003

2266

£9.97

ACCOUNT CHARGE

£8.00

01/08/2003

2266

£3.99

O/DRAFT EXCESS FEE

£20.00

01/09/2003

2235

£9.83

ACCOUNT CHARGE

£8.00

01/09/2003

2235

£3.93

ACCOUNT CHARGE

£8.00

01/10/2003

2205

£3.88

O/DRAFT INTEREST

£0.10

03/11/2003

2172

£0.05

ACCOUNT CHARGE

£8.00

03/11/2003

2172

£3.82

ACCOUNT CHARGE

£8.00

01/12/2003

2144

£3.77

ACCOUNT CHARGE

£8.00

02/01/2004

2112

£3.72

ACCOUNT CHARGE

£8.00

02/02/2004

2081

£3.66

O/DRAFT EXCESS FEE

£20.00

01/03/2004

2053

£9.03

ACCOUNT CHARGE

£8.00

01/03/2004

2053

£3.61

ACCOUNT CHARGE

£8.00

01/04/2004

2022

£3.56

ACCOUNT CHARGE

£20.00

04/05/2004

1989

£8.75

ACCOUNT CHARGE

£8.00

04/05/2004

1989

£3.50

ACCOUNT CHARGE

£10.00

01/06/2004

1961

£4.31

ACCOUNT CHARGE

£10.00

01/07/2004

1931

£4.25

ACCOUNT CHARGE

£10.00

02/08/2004

1899

£4.18

ACCOUNT CHARGE

£10.00

01/09/2004

1869

£4.11

ACCOUNT CHARGE

£10.00

01/10/2004

1839

£4.05

O/DRAFT EXCESS FEE

£20.00

01/11/2004

1808

£7.96

ACCOUNT CHARGE

£10.00

01/11/2004

1808

£3.98

ACCOUNT CHARGE

£10.00

01/12/2004

1778

£3.91

ACCOUNT CHARGE

£10.00

04/01/2005

1744

£3.84

ACCOUNT CHARGE

£10.00

01/02/2005

1716

£3.78

O/DRAFT INTEREST

£0.23

01/03/2005

1688

£0.09

O/DRAFT EXCESS FEE

£25.00

01/03/2005

1688

£9.28

ACCOUNT CHARGE

£10.00

01/03/2005

1688

£3.71

ACCOUNT CHARGE

£10.00

01/04/2005

1657

£3.65

UNPAID D/D

£64.00

03/05/2005

1625

£22.88

ACCOUNT CHARGE

£10.00

03/05/2005

1625

£3.58

ACCOUNT CHARGE

£10.00

01/06/2005

1596

£3.51

ACCOUNT CHARGE

£10.00

01/07/2005

1566

£3.45

ACCOUNT CHARGE

£10.00

01/08/2005

1535

£3.38

ACCOUNT CHARGE

£10.00

01/09/2005

1504

£3.31

O/DRAFT EXCESS FEE

£30.00

03/10/2005

1471

£9.71

ACCOUNT CHARGE

£10.00

03/10/2005

1471

£3.24

ACCOUNT CHARGE

£10.00

01/11/2005

1442

£3.17

O/DRAFT EXCESS FEE

£30.00

01/12/2005

1412

£9.32

UNPAID D/D

£70.00

01/12/2005

1412

£21.74

ACCOUNT CHARGE

£10.00

01/12/2005

1412

£3.11

ACCOUNT CHARGE

£10.00

03/01/2006

1378

£3.03

OVERDRAFT INTEREST

£0.12

01/02/2006

1350

£0.04

O/DRAFT EXCESS FEE

£60.00

01/02/2006

1350

£17.82

ACCOUNT CHARGE

£10.00

01/02/2006

1350

£2.97

O/DRAFT EXCESS FEE

£30.00

01/03/2006

1322

£8.73

ACCOUNT CHARGE

£10.00

01/03/2006

1322

£2.91

ACCOUNT CHARGE

£10.00

01/04/2006

1291

£2.84

ACCOUNT CHARGE

£10.00

01/05/2006

1261

£2.77

ACCOUNT CHARGE

£10.00

01/06/2006

1230

£2.71

ACCOUNT CHARGE

£10.00

01/07/2006

1200

£2.64

OVERDRAFT INTEREST

£0.42

01/08/2006

1169

£0.11

O/DRAFT EXCESS FEE

£90.00

01/08/2006

1169

£23.15

ACCOUNT CHARGE

£10.00

01/08/2006

1169

£2.57

OVERDRAFT INTEREST

£0.17

01/09/2006

1138

£0.04

O/DRAFT EXCESS FEE

£30.00

01/09/2006

1138

£7.51

UNPAID D/D

£35.00

01/09/2006

1138

£8.76

ACCOUNT CHARGE

£10.00

01/09/2006

1138

£2.50

ACCOUNT CHARGE

£10.00

02/10/2006

1107

£2.44

O/DRAFT EXCESS FEE

£30.00

01/11/2006

1077

£7.11

ACCOUNT CHARGE

£10.00

01/11/2006

1077

£2.37

ACCOUNT CHARGE

£10.00

01/12/2006

1047

£2.30

O/DRAFT EXCESS FEE

£30.00

02/01/2007

1015

£6.70

ACCOUNT CHARGE

£10.00

02/01/2007

1015

£2.23

ACCOUNT CHARGE

£10.00

01/02/2007

985

£2.17

OVERDRAFT INTEREST

£0.34

01/03/2007

957

£0.07

O/DRAFT EXCESS FEE

£30.00

01/03/2007

957

£6.32

ACCOUNT CHARGE

£10.00

01/03/2007

957

£2.11

O/DRAFT EXCESS FEE

£60.00

02/04/2007

925

£12.21

ACCOUNT CHARGE

£10.00

02/04/2007

925

£2.04

ACCOUNT CHARGE

£10.00

01/05/2007

896

£1.97

ACCOUNT CHARGE

£10.00

01/06/2007

896

£1.97

OVERDRAFT INTEREST

£0.28

02/07/2007

865

£0.05

O/DRAFT EXCESS FEE

£10.00

02/07/2007

865

£1.90

OVERDRAFT INTEREST

£0.31

01/08/2007

834

£0.06

O/DRAFT EXCESS FEE

£30.00

01/08/2007

834

£5.50

ACCOUNT CHARGE

£10.00

01/08/2007

834

£1.83

O/DRAFT EXCESS FEE

£30.00

03/09/2007

801

£5.29

ACCOUNT CHARGE

£10.00

03/09/2007

801

£1.76

O/DRAFT EXCESS FEE

£30.00

01/10/2007

771

£5.09

ACCOUNT CHARGE

£10.00

01/10/2007

771

£1.70

OVERDRAFT INTEREST

£0.37

01/11/2007

740

£0.06

O/DRAFT EXCESS FEE

£60.00

01/11/2007

740

£9.77

ACCOUNT CHARGE

£10.00

01/11/2007

740

£1.63

OVERDRAFT INTEREST

£0.23

03/12/2007

708

£0.04

UNPLANNED O/DRAFT FEE

£30.00

03/12/2007

708

£4.67

ACCOUNT CHARGE

£10.00

03/12/2007

708

£1.56

OVERDRAFT INTEREST

£0.13

02/01/2008

678

£0.02

UNPLANNED O/DRAFT FEE

£120.00

02/01/2008

678

£17.90

ACCOUNT CHARGE

£10.00

02/01/2008

678

£1.49

OVERDRAFT INTEREST

£0.43

01/02/2008

648

£0.06

UNPLANNED O/DRAFT FEE

£170.00

01/02/2008

648

£24.24

ACCOUNT CHARGE

£10.00

01/02/2008

648

£1.43

OVERDRAFT INTEREST

£1.58

03/03/2008

617

£0.21

UNPLANNED O/DRAFT FEE

£135.00

03/03/2008

617

£18.32

RETURNED D/D

£20.00

03/03/2008

617

£2.71

ACCOUNT CHARGE

£10.00

03/03/2008

617

£1.36

OVERDRAFT INTEREST

£3.71

01/04/2008

589

£0.48

UNPLANNED O/DRAFT FEE

£75.00

01/04/2008

589

£9.72

OVERDRAFT INTEREST

£4.49

01/05/2008

559

£0.55

OVERDRAFT INTEREST

£2.83

02/06/2008

527

£0.33

OVERDRAFT INTEREST

£3.16

01/07/2008

499

£0.35

OVERDRAFT INTEREST

£2.89

01/08/2008

468

£0.30

OVERDRAFT INTEREST

£3.15

01/09/2008

438

£0.30

OVERDRAFT INTEREST

£3.18

01/10/2008

409

£0.29

OVERDRAFT INTEREST

£3.13

03/11/2008

379

£0.26

UNPLANNED O/DRAFT FEE

£215.00

03/11/2008

379

£17.93

RETURNED D/D

£20.00

03/11/2008

379

£1.67

OVERDRAFT INTEREST

£3.50

01/12/2008

352

£0.27

UNPLANNED O/DRAFT FEE

£215.00

01/12/2008

352

£16.65

RETURNED D/D

£20.00

01/12/2008

352

£1.55

OVERDRAFT INTEREST

£6.21

02/01/2009

320

£0.44

UNPLANNED O/DRAFT FEE

£215.00

02/01/2009

320

£15.14

OVERDRAFT INTEREST

£10.80

02/02/2009

289

£0.69

UNPLANNED O/DRAFT FEE

£215.00

02/02/2009

289

£13.67

OVERDRAFT INTEREST

£13.81

02/03/2009

261

£0.79

UNPLANNED O/DRAFT FEE

£39.00

02/03/2009

261

£2.24

OVERDRAFT INTEREST

£15.54

01/04/2009

233

£0.80

OVERDRAFT INTEREST

£17.42

01/05/2009

203

£0.78

OVERDRAFT INTEREST

£17.66

01/06/2009

172

£0.67

OVERDRAFT INTEREST

£18.50

01/07/2009

142

£0.58

OVERDRAFT INTEREST

£18.17

03/08/2009

109

£0.44

OVERDRAFT INTEREST

£20.28

07/08/2009

105

£0.47

OVERDRAFT INTEREST

£1.87

07/08/2009

105

£0.04

 

 

 

 

 

 

£3,268.56

 

 

£684.27

 

 

 

 

 

 

 

 

 

£3,952.83

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