Spreadsheet with interest

[richardmckee699]

HI ROYDOSAN,JUST WONDERING IF YOU WOULD EMAIL YOUR SPREADSHEET TO ME ,I'M HAVING A BIT OF TROUBLE WITH THE OTHER ONES ,HOPE I'M NOT BEING TOO CHEEKY BY ASKING THIS,CHEERS RICHARD email:richardmckee699@btinternet.com

[Petecag]

I'm wondering how everyone is treating interest on Credit Cards.

 

I have the idea that we should be claiming the charges PLUS the interest they have charged us (i.e. their typical APR for each period) PLUS the standard 8%.

 

Would anyone else agree with this?

[bram stoker]

I'm wondering how everyone is treating interest on Credit Cards.

 

I have the idea that we should be claiming the charges PLUS the interest they have charged us (i.e. their typical APR for each period) PLUS the standard 8%.

 

Would anyone else agree with this?

Only the interest element that relates to the charges. I'll have a spreadsheet done by the end of the weekend.

 

Please read back for further details.

[jas 4]

Quick question:

 

I do not have an overdraft and on the statements the bank have sent me there is no mention of any interest charged..... should I therefore just fill in the excel sheet claiming the 8% interest on charges???

 

I have read and re-read all the info on this forum and it has confused me.... I was ok up until I read about having to put in balance, interest etc, etc....

 

:???: :???:

[barracad]

If you have never been overdrawn then yes just claim the 8% interest.

[Marilyn]

l have a prob with the spreadsheet, am sure its something lm doing wrong.

 

l put all my figures onto the spreadsheet and when l look at the 8% interest sheet it gives me some ridiculous figure

 

DATE PENALTY APPLIEDDETAIL OF PENALTYPENALTY CHARGED8% ON PENALTIES

INTEREST DATEINTEREST ON PENALTIES8% ON INTEREST ON PENALTIES

TOTALS:

3,003.0018,620.55

45.83390.91

 

 

 

help what am l doing wrong?????????????????

[bram stoker]

Marylin,

 

Can you email it to me at vampiress.bag@gmail.com and I can take a look at it now for you?

[Marilyn]

oooppps that didnt come out well

 

 

penalty charged 8% on pen int on pen 8% on int on pen

 

3003.00 18,620.55 45.83 390.91

 

 

Hope this is clearer

[Marilyn]

The prob l have is that l have star office and not excel and having tried to email to my work to print it cant be opened

[bram stoker]

Sorry Marylin, not much clearer. Can you email it to me?

[Marilyn]

Vampiress

 

have sent you a copy fingers crossed you can open and help

[bram stoker]

Duly corrected and returned to you.

 

Good luck.

[Dawnb]

hi there can you please e-mail me a copy of the spreadsheet used for scotland and i might sound stupid but what is the difference between the scottish law and the english law

 

is there a letter that i send away with my list of charges

 

any help is much appreciated

 

 

dawn

:o

[bram stoker]

Dawn,

 

You should take a look at the step by step guide in the FAQ's. This gives the order of letters to send. Whenever requesting a refund you would send a detailed breakdown of what it is you asking for. This is where the spreadsheets come into play. Email me at vampiress.bag@gmail.com and state you want the Scottish spreadsheets and whether you prefer Excel or Works.

[helenbeddow]

Im a bit confused, I have my statements and I have counted up the charges.

 

The next stage is prelim letter right? but about interest, which spreadsheet do i use and which one do i use to list my charges to send with the prelim letter?

[thewifeandI]

With your prelim letter it is not necessary to send a list of charges, just a total, but you can send the full list if you want to. If you want to add interest paid on those charges then use the advanced spreadsheet (see my sig below for the link). Don't include the 8% s69 interest at this stage.

[Petecag]

Vampiress, did you manage to compile a spreadsheet for interest on credit cards?

[bram stoker]

Vampiress, did you manage to compile a spreadsheet for interest on credit cards?

Hi,

 

I've only done the Excel for England one so far. If you need it, please email me on the vamp email addy. Cheers.

 

vampiress.bag@gmail.com

[Petecag]

Hi,

 

I've only done the Excel for England one so far. If you need it, please email me on the vamp email addy. Cheers.

 

vampiress.bag@gmail.com

 

Vampiress, I send emailed you for this but you havent replied?

[jellybabe]

hi Vampiress,

thanks for your excellent spreadsheets.

Could i please have the spreadsheet for interest on credit cards?

[bram stoker]

hi Vampiress,

thanks for your excellent spreadsheets.

Could i please have the spreadsheet for interest on credit cards?

Did you request it from the Vamp gmail?

 

Sorry folks, am just logging in now, having finished work, cleaned the house and taken my daughter to dinner. Apologies for the delay. (Run the guilt trip, or what!)

[jellybabe]

just done it.

Thanks,

jellybabe:)

[Chimera]

Thanks Vampiress for e-mailing me the credit card speadsheet - will be straight onto it when I get home.

 

Quick question - sorry if it has been asked before, or is a bit stupid - when filling in the balance on date of interest - is it the balance before the interest has been added or after? (for bank account - not credit card)

 

I wasn't going to claim back interest - but have decided to - it's still my money - if they send the statements and want me to traul through them - then I will return the favour by doing it properly. Cahoot sent me a simple list of charges - so i won't be going after interest on them

[Chimera]

Just got home and started filling out c/card speadsheet.. bit confused.. proabably my brain not working

 

it's the amount paid colomn. I gather, from your notes, this is not the amount paid in previous months, but the amount you are asked to pay or paid after recieving the statement. THere are a few months when I didn't make a payment - do I just leave the colomn blank or have I got the wrong end of the stick?

[Seminole]

Just got home and started filling out c/card speadsheet.. bit confused.. proabably my brain not working

 

it's the amount paid colomn. I gather, from your notes, this is not the amount paid in previous months, but the amount you are asked to pay or paid after recieving the statement. THere are a few months when I didn't make a payment - do I just leave the colomn blank or have I got the wrong end of the stick?

 

I think you just need to enter a zero.