a bit confused...

[Domant]

i was being sarcastic here, by the way. i am sticking to my schedule.

 

steph, heard anything yet? just checking.

Never did recieve that full response so now have filed a claim, which they are defending i am waiting now for them to do so, then i can start to politely nudge!

i have just seen on another thread that someone who sent in their summary on the exact same date as myself has rec,d an offer. Didn,t send me one of them either:-| .

Steph

[Celicaman]

cm, i used the advaced spreadsheets.

i did ask for interest, but without the 8%. was that correct?

 

gw

 

GW, following reading a thread on CAG today, its seems at this point that they are advising claiming statute interest only as somebody had a CI claim & appeal rejected. So all what i said yesterday is a waste unless you really want to learn a lot more to argue for it, for me i think i will revise position until they (CAG) can amend how to claim CI.

You could still try to argue for CI and use it to help get a better offer out of the bank, have a read of this thread and make your own mind up.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost.html

 

Good luck

CM

[graceful_willow]

cm,

ooopps! CI needs a lot of work and I just haven't got the time, I'm afraid. I'll go for the statute interest. Appreciate all the info.

 

gw

[graceful_willow]

Never did recieve that full response so now have filed a claim, which they are defending i am waiting now for them to do so, then i can start to politely nudge!

i have just seen on another thread that someone who sent in their summary on the exact same date as myself has rec,d an offer. Didn,t send me one of them either:-| .

Steph

 

 

goodluck! i'm just going to file mine. i kinda got lost in track, because of work and family matters. i hope me being a bit late with my schedule will not have a negative effect on reclaim process...

 

gw

[lateralus]

i'll send you my poc's to take a look at and use as a second example - there's another example in the library.

this is a very useful thread:Getting MCOL Right

[graceful_willow]

thanks lattie, that's a very useful thread.

honestly, i'm too confused (no longer "a bit"... :o) i want to get this right, and being too cautious makes me nervous. did you had that feeling that you dont trust yourself, paranoid that you'll make a mistake? probably not.

i better calm myself down before starting anything... i need a shot!

 

gw

[lateralus]

of vodka!

[graceful_willow]

i'll send you my poc's to take a look at and use as a second example - there's another example in the library.

this is a very useful thread:Getting MCOL Right

 

 

hello lattie,

 

if you haven't change your mind about this, can i still use your poc as a second example, please, if you dont mind?

please delete any info that you dont want to disclose.

 

cheers!

 

gw

[lateralus]

done

[graceful_willow]

thanks a lot lattie!

 

i've just done my spreadsheet with 8%, but i think it's wrong. the total penalty charge is £2040.00, and on the 8% column, it totals £17,554.01!!! surely, that cant be right? (but i would like it to be... ) what do you think i've done wrong? is it the spreadsheet or me?

 

HELP!

 

gw

[lateralus]

think it must be you - i suspect the interest will be about 250-300.

so, just try again - check the reference points - dates, amount of interest, just check it all again - start over - don't know enough to guess at what you did wrong - s/s not my forte - but you'll get it - just try again and look for anything obvious. i'm wondering if it is 175.54? just try again unless some techie can tell you what you did.

[harejon]

thanks a lot lattie!

 

i've just done my spreadsheet with 8%, but i think it's wrong. the total penalty charge is £2040.00, and on the 8% column, it totals £17,554.01!!! surely, that cant be right? (but i would like it to be... ) what do you think i've done wrong? is it the spreadsheet or me?

 

HELP!

 

gw

 

is it the standard spreadsheet from here or have you created your own? you say the total is £17k, what does the interest look like for each charge? are they all way to high too? if not does 1 stand out? have you added too many zeros to one of your charges? what's the total for them on the spreadsheet?

 

now there's a lot of questions.

[IzzyK]

Hi, when I did mine I put the date format in incorrectly and when deleting it it came up with a similar ridiculous figure. Just a guess is the date format the same as todays date at the top of the spreadsheet??

[graceful_willow]

is it the standard spreadsheet from here or have you created your own? you say the total is £17k, what does the interest look like for each charge? are they all way to high too? if not does 1 stand out? have you added too many zeros to one of your charges? what's the total for them on the spreadsheet?

 

now there's a lot of questions.

 

yep harejon, the spreadsheet's from here, i used the advance one, and no kidding, the total say £17k.

i'll give you a sample: a charge of £20.00 got an interest of £172.10, a charge of £60.00 - £516.30, a charge of £90 - £774.44 EACH ???

 

HELP!

 

gw

[graceful_willow]

Hi, when I did mine I put the date format in incorrectly and when deleting it it came up with a similar ridiculous figure. Just a guess is the date format the same as todays date at the top of the spreadsheet??

 

yes IzzyK, it's todays date.

[IzzyK]

are your dates for the charges in the same format ie 22/04/05 etc down the spreadsheet? if so sorry can't think of anything else.

[graceful_willow]

are your dates for the charges in the same format ie 22/04/05 etc down the spreadsheet? if so sorry can't think of anything else.

 

same format, oldest date at the top, ie 09.07.03, 11.08.03, 09.09.03 etc...

 

dont really know what i've done wrong...

 

gw

[IzzyK]

Sorry for repeating but I entered mine as 10.10.05 eg instead of 10/10/05 eg the spreadsheet is with forward slash if I remember.

[IzzyK]

sorry back slash!! it's getting late!! hope this helps - took me ages!!!

[graceful_willow]

oh, is that it?

like you said, it's getting late.. so i'll try again tomorrow. whew!

 

thanks again!

 

gw

[IzzyK]

Hey, hope it works!

[harejon]

yep harejon, the spreadsheet's from here, i used the advance one, and no kidding, the total say £17k.

i'll give you a sample: a charge of £20.00 got an interest of £172.10, a charge of £60.00 - £516.30, a charge of £90 - £774.44 EACH ???

 

HELP!

 

gw

 

is the advance one for contractual interest? what was the date of the sample you gave above? also, a long shot but you pc is set to todays date isn't it? it's not set to the year 2100 or anything daft?

 

my spreadsheets are on a memory stick at work, I'll have a fiddle tomorrow and see if I can recreate your figures.

[pinkduchess]

definately the format of the dates makes a difference. use the / as izzy says. i had same problem.

[harejon]

if I put a charge in for £20 and not date, I get interest at £172.74 so the spreadsheet is ignoring your dates.

 

Assuming you are using Excel, if you select one of the dates you've entered, right click it and select 'Format cells...', on the number tab you can select what kind of data you want in the cell. If you select 'Date' does it fix your problem? if not try re-entering a date, for 21st March 2007 enter 21/3/7 with the slashes going in that direction.

 

hope that helps

[graceful_willow]

yes, it's the date format.

i just finished redoing it, and the interest is £292.21. you're right again lattie!

 

thank you all for the help.