what charges are unlawful ?

[claimitall]

Just about to nip down to sheriff court with my small claim. Just looking through some last minute stuff.

Some of the £30 charges are actually for dd or SO or cheques that they did not return but actually paid even though i didnt have money or put me over limit (nice of them eh) if they did 3 in a day it made them £90.

Are these charges unlawful in the same category as the returned ones ?

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

yes

[claimitall]

Cheers Nat

[claimitall]

And i guess you cannot claim back all the £28 for going over overdraft limit because it was your decision to write the cheque or sign the DD.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

Wrong, you can get them ones as well because its unlawful

[claimitall]

Surely though ( and i play devils advocate) here cause i have been fighting with banks for years on this, i am using their money ie overdraft etc to fund my stuff so all they can claim is some interest and what it actually costs to send letter or return dd etc etc

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

To send a letter(price of a stamp, paper, envelope, maybe 5 minutes to type letter) £28 no chance. If you read the threads you will see all unarranged borrowing fees card misuse deliberate or otherwise do not reflect the true cost and so are unlawful and recoverable by you. Try not to do yourself out of money by rationalising what we(I work for a Bank) do.

[claimitall]

You're right Nat,
thanks for your help
just thinking what a court might say. I have actually recovered a lot of money from banks over the years from racked up charges and loan ins etc so i am not going to go soft -just trying to get my head right for possible court etc