Spreadsheet with interest

[krakan]

Right lad(y/ies) - quick question:

 

For the life of my account I have so far had either no overdraft or a 0% interest one. I moved from a kiddie account to a student account to a graduate account. I've a suspicion that part of my overdraft wasn't actually 0% (fag packet maths on interest charges - bearing in mind I exceeded my non-overdraft a bit,) but nothing, anywhere, seems to support my theory so I am left having to assume that the entire overdraft is interest free.

 

So, it seems to me that the interest I've paid is likely to be £0 more than it ought to have been - I'd only have paid interest on monies borrowed in excess of my agreed limit. It seems reasonable that interest charges would apply to this.

 

Would this mean that I should leave the second sheet empty, and include no mentions of interest charged when I make my initial claim to the bank? Naturally I shall be filling in the third (8%) sheet when the dreaded moment comes, but I can't see any way in which the second applies..

 

Just wanted to check, this isn't my usual line of work after all! (though if anyone has a business that has computers that want fixing I'll be glad to help:-D

 

Anything but direct and unsubstantiated insults regarding my appearence are gratefully accepted..

 

Krakan

[krakan]

Bang on as I understand it!