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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. 20th November 2008 17:36 #1
    Scirocco Scirocco is offline
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    Hi,
    I had a planned overdrafticon with Lloydsicon that they have now changed to unplanned and are now charging me £240 per month for it. I have no hope of repaying it in the near future. Do I have any other options, please

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  2. 20th November 2008 17:40 #2
    flyingdoc flyingdoc is offline
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    Default Re: Overdraft Charges

    under what circumstances have they changed it to unplanned.

    A bank cannot suddenly decide to withdraw overdrafticon facilities when there is still money outstanding in the overdraft.

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

    [COLOR=red]Nat West Charges £1056 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Charges £3600 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Unenforceable Loan £18500 [B]Pending[/B][/COLOR]
    [COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
    [COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
    [COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
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  3. 20th November 2008 18:13 #3
    Scirocco Scirocco is offline
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    Default Re: Overdraft Charges

    Hi,
    Thanx for the response. There were no circumstances. They just wrote to say they were changing it to unplanned and started charging the fees. I shall look for their letter and post it here

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  4. 20th November 2008 18:14 #4
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    Default Re: Overdraft Charges

    also would be useful to see the original T&C of the planned overdrafticon

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

    [COLOR=red]Nat West Charges £1056 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Charges £3600 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Unenforceable Loan £18500 [B]Pending[/B][/COLOR]
    [COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
    [COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
    [COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
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  5. 20th November 2008 21:28 #5
    big blue one big blue one is offline
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    Default Re: Overdraft Charges

    any sign of the letter, would be interested to see this?

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  6. 20th November 2008 21:36 #6
    Scirocco Scirocco is offline
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    Default Re: Overdraft Charges

    Hi,
    Thank you for the interesticon. I will go through my papers and post it (or what it says) on this forum tomorrow afternoon

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  7. 21st November 2008 16:28 #7
    Scirocco Scirocco is offline
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    Default Re: Overdraft Charges

    Hi,
    I have now found the letter from Lloydsicon. Basically they reduced my agreed overdrafticon from £3000 to £250 and now consider the difference as unplanned. As my overdraft was £2500, they said unless I pay £2250, they will continue to apply fees amounting to about £240 per month. I have not yet found the original T&Cs but remember that there was a clause that said the limit would be reviewed periodically. I wil post the terms as soon as I find the documentation.

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  8. 21st November 2008 19:43 #8
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    Default Re: Overdraft Charges

    that seems incredibly unreasonable to me. Did they say why they were reducing it?

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

    [COLOR=red]Nat West Charges £1056 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Charges £3600 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Unenforceable Loan £18500 [B]Pending[/B][/COLOR]
    [COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
    [COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
    [COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
    Reply With Quote Reply With Quote
  9. 24th November 2008 17:08 #9
    Scirocco Scirocco is offline
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    Default Re: Overdraft Charges

    Hi,
    Well the letter said I failed to pay the overdrawn amount when the bank demanded it and am therefore in breach of the overdrafticon Agreement as the bank "has the right, at any time, to request immediate repayment on demand"

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE