Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Still waiting ...... I'm working nights at the moment and am finding it hard to get the time to read the site thoroughly. What's the next step. Another letter by recorded?
I've finally got back the statements from Natwest (which was a shock), however, on the statements, where it says about charges, It gives the following :
Excess Borrowing 2nd May - 4th June
21 excess days £3.50 per day = £73.50
Does this mean because they have charged me £3.50 per day that I can't claim it back? They took the charge out in one go and not at £3.50 per day.
Excess Borrowing 2nd May - 4th June
21 excess days £3.50 per day = £73.50
Does this mean because they have charged me £3.50 per day that I can't claim it back? They took the charge out in one go and not at £3.50 per day.
Don't quite understand the logic of your arguement.. It doesn't matter whether they charge you daily, weekly, monthly or annually, they're still unlawful and you can claim it all back.
As stated above it is a penalty. What the OFT stated was related to CC although even they thought that was on the high side. What you have to think about is what does it realistically cost. £3.50 a day, £12 a month, the simple answer is no and that means that it is fair game
Cool. There are still a few queries though. What is a paid referral? They have charged me between £25 and £50 for one of these. I'm assuming its a letter they've written me, it was so long ago. Also everytime I've got an unarranged borrowing fee of £14.00 there is also an additional charge of £6.00 on the same day for 'service' (whatever that may be).......and finally on some of the statements it just says 'charge' for the same amounts (ie. £14.00 and £6.00) and doesn't state what the charge is for.
Sorry, but I need to clarify and be certain before I claim this all back.
£6 Advantage Gold account
Paid Referral Fee any item that the bank pays that takes you over an agreed overdraft limmit
£14 Unarranged borrowing which is when the account goes over an agreed overdraft limit
Hope that helps
lba sent. Reply received today was "sorry, we do not care for your accusations. Direct all litigation to our head office." Has anybody had any result with Natwest yet ? Do I just do the court claim form now?
APPENDIX.....Also, obviously the dates have changed since I started the letter writing. Cn I still claim for the dates that have now elapsed the six years since I started all this?
As far as i understand as long as your first letter was within the 6 year period you should be fine. out of the 6 years i think there is a different route to take? Are the charges much outside of the 6 years?
PLEASE HELP ME !!!! I have a minor problem, or possibly I don't, maybe somebody with a more astute legal mind can tell me....I am about to fill out the money claim form on the web (the 14 days for settlement out of court are up tomorrow) and I've just realised.......this account was opened whilst I was resident at my mum's address. I have since moved. As far as I was concerned the account was more or less dormant since I moved and I only had one direct debit coming out of it which I transfered money in to this account for. I didn't bother to inform the bank of my change of address for this reason. The direct debit has recently been transfered to my new account. The account statements etc still went to my ma's. Is this a breach of contract as far as the bank is concerned and can they not pay me the money they owe because of this? The account has been administered from this address ad as far as they are aware I'm still there. Should I just carry on regardless, say I live there, and then give false or misleading information on the court documents? For all intents and purposes I could still live there if it was required. HELP!!!!!!
I don't see that it matters. Presumably the prelim and lba were from your current address and the bank replied there too? The bank is very unlikely to try to use this as an excuse for not paying
I would use your present address on MCOL, because (a) it's the address you've used so far (b) it's true (c) you'll receive court letters quicker.
Lee vs NatWest ***WON***
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