Mortgages - Paratus and blemain did mislead my father over sale?

[dx100uk]

the 8% is simple ang

 

 

download the statint sheet.

 

 

take to total from the CISHEET

 

 

pop it into the STATINT sheet as one whole figure

dating it as that of the next day AFTER the claimto date of the CISHEET

 

 

job done

[angnnig]

Ok thanks dx will give it a go

Regards

Ang

[angnnig]

It quite a few years ago when I claimed other charges back and used a online charges calculator , was so easy to use

Do they not have this anymore

Regards

Ang

[dx100uk]

who do you mean by they?

 

 

dx

[angnnig]

I think it was money saving expert

[angnnig]

Hi I'm struggling with this. Is there any one can help please

Regards

Ang

[dx100uk]

whats the total from your CISHEET

and what is the claimto date of that sheet

[angnnig]

£3,478 is the total of the charges.

Not sure what you mean by claim date , is it the date from the earliest charge to the latest ?

Thanks

[dx100uk]

there is a claim to date box on the CISHEET

your claimto date should be set to the date they stopped charging THEIR interest.[sale date?]

 

 

the day after that, you are entitled to 8% on the total balance [statint sheet] till they settle

[angnnig]

Sorry to sound thick. Which one is the CIsheet

Thanks

[martin2006]

Says on the top of the spreadsheet when you open it

 

Compound interest calculator

[angnnig]

Thanks Martin

Regards

Ang

[dx100uk]

the one you've already put your charges into?

[angnnig]

Hi Do I have to put each individual date of each charge in the (A) column ?

Thanks

[dx100uk]

have actually done the CISHEET yet then?

 

 

format is like this

 

Date of Charge Description Amount of Charge

01/04/2006 FM/Consent Letter Sent £23.000

1/06/2006 FM/Consent Letter Sent £23.00

01/06/2006 Admin fee R/D Auto Added £33.00

01/06/2006 Arrears Charge R1 £23.00

01/06/2006 Phone call Out £23.00

[angnnig]

I have put the 8% in the 1/a column , is that right please ?

[angnnig]

I've done my own print out sheet of the charges but not input the figures into the spreadsheet yet

[dx100uk]

open this and see

 

 

don't forget to read the red notes tab on the sheet

it explain what to do!!

[angnnig]

Hi my spreadsheet is different to that one . This one is open office calc with columns abcdefgh along the top and numbers vertical.

[dx100uk]

yea but it looks the same

that's the format you use to input data

just the first 3 cols

date

description

amount

 

 

enter that for EACH CHARGE

each charge individually on its own row

 

 

[as above make sure you change region settings to UK .]

 

 

the only other thing you need to do is enter their APR in the Interest Rate [APR] box

 

 

the sheet does everything else for you.

[angnnig]

I've gone into open office gone into language setting clicked ok now not sure how to download the spread sheet

[dx100uk]

spreadsheets are in post 40 of this thread.

you'll need the CISHEET

 

 

and latterly

the STATINT sheet

[angnnig]

Still insure , I think I will get someone else to do this. Thanks for all your help anyway

[martin2006]

What are you not sure about ang?

[angnnig]

Hi Martin , I think I've got the spreadsheet up but it doesn't look like the link Dx showed me. I'm also not sure how to change it to uk format , it's all very confusing reading instructions. I think if I was shown what to do I could manage it , thanks