Spreadsheets

From Consumer Wiki

Spreadsheets

SPREADSHEETS to assist with your claim

If you send the bank a letter before you have given them time to pay up (and are not claiming contractual interest), demanding the statutory interest of 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back.

YOU SHOULD send a SCHEDULE OF CHARGES with your preliminary and LBA letters. We suggest using the interest calculation spreadsheets, and removing the interest column (if its not for contractual interest) before printing to send.

All charges and dates are ficticious, but here are some spreadsheet templates to help you calculate the interest. Simple versions will calculate the 8% APR only, to be used when filing court claim. Advanced spreadsheets will also help you to calculate the overdraft interest you have been charged by your bank, which you can request at the preliminary stage.

Please choose the spreadsheet relevant to your claim - there are different versions depending on if you are in England or Scotland, which spreadsheet package you use, and also whether you are claiming for a bank account or credit card.

Bank Accounts

England Simple:

Excel

Works

Open Office

England Advanced:

Excel

Works

Scotland Simple:

Excel

Works

Scotland Advanced:

Excel

Works

Credit Cards

England Simple:

Excel

Works

Open Office

England Advanced:

Excel

Works

Scotland Simple:

Excel

Works

Simple Spreadsheet

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When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

The ‘Days Since’ and ‘8% Interest’ columns will be calculated automatically

Save it (for use later at court).

Then, since you cannot claim s69 8% interest until you file a claim at court, delete/hide the last 2 columns (8% bits) and print out as your schedule of charges for the Preliminary and LBA letters

You can use the same spreadsheet when you are ready to file your claim at court. Each time the spreadsheet is opened, it will automatically recalculate the s69 8% interest to todays date


Online Simple Spreadsheet

If you don't have Excel, Works or OpenOffice, or you don't like spreadsheets, there is an easy to use Simple 8% spreadsheet here

You can save the file and go back in x days or months and add new or remove incorrect items as need be. The program will then recalculate the charges and interest which can be printed out or saved.

The program will save any number of files, so it is possible to do one file for each account i.e. credit card or bank account

Related Pages

Schedule of Charges