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

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  1. 23rd June 2009 23:01 #1
    SRR1972 SRR1972 is offline
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    Default Credit card charges

    Hi

    Possible daft question but how do you know if a charge is unfair ? I missed a payment on a CC they (Halifaxicon) then charged me 12 quid then because this 12 quid put me over my limit another 12 quid for go over that.
    I am waiting for a direct debiticon to get setup and I did call them to try and pay over the phone but they don't accept payments over the phone ! (although they did when I became late for some reason )
    It feels unfair to me but do I have a leg to stand on or am I just being a whinging git ?

    Stuart

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  2. 23rd June 2009 23:07 #2
    maroondevo52 maroondevo52 is offline
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    Default Re: Credit card charges

    Hi, Stuart.

    I've got one like you at home

    The £12 charge is an unfair charge and can be claimed back, if you've not had many, its sometimes worth phoning your Bank and asking for these charges to be refunded.

    If you get no joy, you'd have to start a claim against them.

    Regards.

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  3. 30th June 2009 01:39 #3
    SRR1972 SRR1972 is offline
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    Default Re: Credit card charges

    Scott

    Daft question but how do I make a claim against them ??

    Stu

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  4. 30th June 2009 10:07 #4
    maroondevo52 maroondevo52 is offline
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    Default Re: Credit card charges

    Hi, Stu.

    Have you phoned them yet, what is the total amount of charges, If the amounts not great, they sometimes refund them.

    Regards.

    Scott.

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  5. 30th June 2009 19:03 #5
    IdaInFife IdaInFife is offline
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    Default Re: Credit card charges

    just incase you need it,
    http://www.consumeractiongroup.co.uk...procedure.html


    ida x

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  6. 1st July 2009 17:35 #6
    ajs444 ajs444 is offline
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    Default Re: Credit card charges

    Ida, Scottish Small Claims have increased have they not?
    Maybe need to add footer to Updated Scottish Procedure

    Don\'t let the B**tards grind you down
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  7. 1st July 2009 18:58 #7
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    Default Re: Credit card charges

    Quote Originally Posted by ajs444 View Post
    Ida, Scottish Small Claims have increased have they not?
    Maybe need to add footer to Updated Scottish Procedure
    Changes made to Small Claims Limit.

    Thank you.

    Regards.

    Scott.

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