Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 13th July 2006 22:17 #1
    claimitall claimitall is offline
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    Default what charges are unlawful ?

    Just about to nip down to sheriff court with my small claimicon. 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 ?

    Similar Threads:
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    IF £750 Small Claim filed 26/10 - won unconditionally
    Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally
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  2. 13th July 2006 22:19 #2
    NATTIE
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    Default Re: what charges are unlawful ?

    yes

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  3. 13th July 2006 22:20 #3
    claimitall claimitall is offline
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    Default Re: what charges are unlawful ?

    Cheers Nat

    Lloyds TSB £395 Decree awarded against TSB
    HBOS £750 setted in full
    IF £750 Small Claim filed 26/10 - won unconditionally
    Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally
    HBOS2 £750 small claim settled in full
    MSDW £115 Settled- accepted Full amount unconditionally
    HBOS3 £750 Settled in full
    HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court
    Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks
    Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall
    Reply With Quote Reply With Quote
  4. 13th July 2006 23:03 #4
    claimitall claimitall is offline
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    Default Re: what charges are unlawful ?

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

    Lloyds TSB £395 Decree awarded against TSB
    HBOS £750 setted in full
    IF £750 Small Claim filed 26/10 - won unconditionally
    Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally
    HBOS2 £750 small claim settled in full
    MSDW £115 Settled- accepted Full amount unconditionally
    HBOS3 £750 Settled in full
    HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court
    Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks
    Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall
    Reply With Quote Reply With Quote
  5. 13th July 2006 23:05 #5
    NATTIE
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    Default Re: what charges are unlawful ?

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

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  6. 13th July 2006 23:13 #6
    claimitall claimitall is offline
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    Default Re: what charges are unlawful ?

    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 overdrafticon 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

    Lloyds TSB £395 Decree awarded against TSB
    HBOS £750 setted in full
    IF £750 Small Claim filed 26/10 - won unconditionally
    Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally
    HBOS2 £750 small claim settled in full
    MSDW £115 Settled- accepted Full amount unconditionally
    HBOS3 £750 Settled in full
    HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court
    Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks
    Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall
    Reply With Quote Reply With Quote
  7. 13th July 2006 23:24 #7
    NATTIE
    Guest

    Default Re: what charges are unlawful ?

    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.

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  8. 13th July 2006 23:30 #8
    claimitall claimitall is offline
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    Default Re: what charges are unlawful ?

    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

    Lloyds TSB £395 Decree awarded against TSB
    HBOS £750 setted in full
    IF £750 Small Claim filed 26/10 - won unconditionally
    Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally
    HBOS2 £750 small claim settled in full
    MSDW £115 Settled- accepted Full amount unconditionally
    HBOS3 £750 Settled in full
    HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court
    Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks
    Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall
    Reply With Quote Reply With Quote
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