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
NW11 7PE
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  1. 26th February 2009 17:14 #1
    NiallTTC NiallTTC is offline
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    Default Charges for being overdrawn and missing direct debits

    A few times over the past couple of years I have gone over my overdrafticon, and also not had funds to cover a direct debiticon payments.

    On these occasions, RBSicon have seen fit to charge me the following:

    6-Oct-05 £43.00
    7-Nov-05 £43.00
    5-Dec-05 £43.00
    10-Jan-06 £30.00
    9-Jun-08 £30.00
    6-Oct-08 £28.00
    7-Oct-08 £35.00
    5-Nov-08 £28.00
    6-Nov-08 £35.00
    8-Dec-08 £28.00
    5-Jan-09 £28.00
    27-Jan-09 £38.00

    Are these the types of charges I can reclaim? None of these are interest charges or Royalties service charges.

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  2. 26th February 2009 17:19 #2
    maroondevo52 maroondevo52 is offline
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    Default Re: Charges for being overdrawn and missing direct debits

    Hi,

    Yes, if these charges are unuthorised O/D charges and returned D/D charges, you can claim them back, have a look at the step-by-step............

    http://www.consumeractiongroup.co.uk...tructions.html

    Start the process, and take it all the way, stick to your timetable.

    Regards.

    Scott.

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  3. 26th February 2009 17:21 #3
    NiallTTC NiallTTC is offline
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    Default Re: Charges for being overdrawn and missing direct debits

    Sorry for my ignorance, but how can I tell if they are unauthorised?

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  4. 26th February 2009 17:23 #4
    maroondevo52 maroondevo52 is offline
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    Default Re: Charges for being overdrawn and missing direct debits

    Quote Originally Posted by NiallTTC View Post
    Sorry for my ignorance, but how can I tell if they are unauthorised?
    It's when you go over your agreed overdrafticon

    Regards.

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  5. 26th February 2009 17:32 #5
    NiallTTC NiallTTC is offline
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    Default Re: Charges for being overdrawn and missing direct debits

    Aaah, I see now.

    I thought you meant the charges were unauthorised. As in, the bank aren't authorised to charge me.

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  6. 26th February 2009 17:36 #6
    maroondevo52 maroondevo52 is offline
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    Default Re: Charges for being overdrawn and missing direct debits

    Hi,

    Have a look at this 'link'..........

    http://www.consumeractiongroup.co.uk...ts-please.html

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE