the One account
your statement guide
1
20 February 2005 statement
1
tel 08453 01 01 01
fax 0870 400 9620
oneaccount.com
The One account
Woodland Place
Pinetrees Road
Norwich NR7 9EJ
Mr James Nicholson
Woodland Place
Pinetrees Road
Norwich
NR7 9EJ
Your account number
Sortcode
10000000
16 - 60 - 51
An overview of your One account this month
2
Your opening One account balance on 19/01/2005
3
Total money in
Money out
Switch/Maestro card payments
VISA card payments
Cheques
Interest
£213.08
£444.47
£83.19
£343.42
Total money out
Total movement on your One account this month
-£70,223.01
£1,185.51
4
- £1,084.16
£101.35
Your One account balance as at 20/02/2005
- £70,121.66
An update on your available facility
Your One account facility
Your One account balance as at 20/02/2005
Your available facility
£71,000.00
- £70,121.66
5
£878.34
An update on your overall financial position
What you own
Your home (based on the last valuation)
£120,000.00
What you owe
Your One account balance as at 20/02/2005
The difference between what you own and what you owe
- £70,121.66
£49,878.34
The One account is a secured personal bank account
with The Royal Bank of Scotland plc.
20 February 2005 statement
Interest
6
From 19/01/2005 to 20/02/2005 the interest charged on borrowing was 5.95%.
The total interest on all your borrowing over this period is £376.84. We will collect this from your account
on 14/03/2005.
If you want to know exactly how we calculate the interest applied to your account please call us.
Where you are against your repayment guide
7
Your repayment guide is based on your target repayment date of January 2025. The planned balance we show
you each month shows how your balance would need to decrease if you were planning to make regular
monthly payments through to January 2025. These figures show your position against your guide as at
20/02/2005.
Your actual balance
- £70,121.66
Your planned balance
- £70,540.74
This means you are
£419.08
ahead of your guide
If you wish to stay ahead of your guide by this amount, you should aim to leave £520.39 in your account
next month. This is made up of £376.84 interest, to be collected on 14/03/2005, and £143.55 to reduce
your balance. This assumes that interest rates do not change over the next month.
Many of our customers tell us their statements bring the One account to life. This is how
we let you know where you stand each month.
Actual statements will be bigger than this.
1 The date your statement was prepared. If you’d like an interim statement at any other time, just
let us know.
2 The balance brought forward from your last statement. Remember that the One account is a
loan secured against your home – so unless your account is in credit this figure will be negative.
3 The total amount paid into your account in the last month.
4 The interest we charged to your account this month. This is the total interest on all of last
month’s borrowing.
5 The difference between your One account balance and your borrowing limit.
6 The total interest on this month's borrowing - to be collected next month from your account.
7 When you open your One account we’ll agree a repayment plan with you. Each month we’ll
let you know how you’re doing against your plan. You can call us any time to discuss or change
your repayment plan.
2
20 February 2005 statement
3
Your transactions from 19/01/2005 to 20/02/2005
Date
8
Item
19.01.2005 SWITCH
/MAESTRO POS
Description
Money out
CD00 18JAN05 0000
SAFEWAY
NORWICH
£25.28
19.01.2005 SWITCH
9 CD00 18JAN05 0000
/MAESTRO POS
CO-OP PIONEER
NORWICH
£4.41
19.01.2005 SWITCH
/MAESTRO POS
CD00 18JAN05
THE DEPOT POE670
NORWICH
26.01.2005 VISA PAYMENT
CD0000 25JAN
VISA TRANSACTIONS
FOR PERIOD ENDING
25.01.2005
28.01.2005 SWITCH
/MAESTRO POS
CD00 27JAN05 0000
SAFEWAY PETROL
NORWICH
28.01.2005 BACS CREDIT
SALARY
£15.88
£26.99
10
£23.61
£1,185.51
28.01.2005 CHEQUE
000001
£58.14
04.02.2005 SWITCH
/MAESTRO POS
CD00 03FEB05 0000
CO-OP PIONEER
NORWICH
CASH BACK £30.00
£34.24
04.02.2005 CHEQUE
000002
£25.05
04.02.2005 SWITCH
/MAESTRO POS
CD00 03FEB05 0000
CURRYS
NORWICH
£50.00
09.02.2005 VISA PAYMENT
CD0000 08FEB
VISA TRANSACTIONS
FOR PERIOD ENDING
08.02.2005
£417.48
14.02.2005 INTEREST
18JAN-A/C 10000000
£343.42
14.02.2005 SWITCH
/MAESTRO POS
CD00 13FEB05 0000
SAFEWAY
NORWICH
CASH BACK £20.00
£34.98
14.02.2005 SWITCH
/MAESTRO POS
CD00 13FEB05 0000
SAFEWAY
NORWICH
CASH BACK £20.00
£24.68
Totals
Money in
£1,084.16
£1,185.51
The One account is a secured personal bank account
with The Royal Bank of Scotland plc.
20 February 2005 statement
Your VISA transactions
4
11
These items are included in the list of your transactions.
Transactions during period ending 25/01/2005
Date
Item
25.01.2005 STEPTOES
Description
CAMBRIDGE GB
Debit
Weekly total
DR - £26.99
- £26.99
Transactions during period ending 01/02/2005
There are no transactions for this period
Transactions during period ending 08/02/2005
Date
Item
Description
01.02.2005
02.02.2005
02.02.2005
03.02.2005
03.02.2005
03.02.2005
04.02.2005
TESCO
SAFEWAYNORWICH
THE PIER
HOMEBASE LTD
TESCO
THE PIER
THE PIER
NORWICH GB
NORWICH GB
CAMBRIDGE GB
NORWICH GB
NORWICH GB
CAMBRIDGE GB
CAMBRIDGE GB
Debit
Weekly total
DR - £23.91
DR - £12.12
DR - £281.33
DR - £66.05
DR - £34.07
DR - 69.79
CR 69.79
- £417.48
Transactions during period ending 15/02/2005
There are no transactions for this period
8 The date shown against each transaction on your One account is the day we received details
of the transaction – which may be a few days after the transaction took place.
9 Transactions are divided into different categories to help you keep track of your account.
10 This is the total of your One account VISA transactions during a seven day period.
11 Any transactions you make on your One account VISA card are itemised at the end of your
statement. The balance on your VISA card is applied to your One account once a week.
12 You can break down your One account balance any way you like – so you can see your
mortgage, loans, savings and current account money as individual balances. You can check these
anytime using our online service and also include them in your monthly statement.
10
20 February 2005 statement
mortgage
Looking at the One account your way
savings
loans
credit
cards
5
current
account
12
An overview of your e-accounts this month
Type of account
Name
When it finishes
e-mortgage
e-borrowings
e-savings
e-current account
My house
Car loan
Holiday
Dec 2022
Oct 2007
Oct 2005
Your One account balance
Current balance
-£66,000.00
-£5,000.00
£250.00
£628.34
-£70,121.66
Of course – you don’t have to wait for your statement to see where you are with your finances. You can check your
e-account balances anytime using our online service at www.oneaccount.com.
Important points about your e-accounts
1
Your e-accounts show your One account balances broken down – so you can see your money any way you choose.
2 Your e-accounts are virtual accounts – no money is moved and we don’t create physically separate accounts for
you. All your money remains in your One account to ensure it is working as hard as possible.
3 You should always compare your One account balance with your repayment guide to see the true position of
your finances.
Remember
This page breaks down your One account balance in the way you’ve chosen using account names, types and initial
balances selected by you – we are simply showing you the information you have given us, as you have requested.
To ensure that your e-accounts continue to meet your needs, you should keep them up-to-date online or over the
phone. And if you no longer wish to receive this information as part of your statement, just let us know.
The One account is a secured personal bank account
with The Royal Bank of Scotland plc.
The One account is a secured personal bank account with The Royal Bank of Scotland plc.
‘The One account’, ‘One account’, ‘Make one day today’ and associated logos are trademarks of The One account Ltd.
The One account, Woodland Place, Pinetrees Road, Norwich NR7 9EJ.
TOA303D-3.05