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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Thread: O/D Interest.

  1. 28th June 2009 15:07 #1
    conchy_joe conchy_joe is offline
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    Default O/D Interest.

    Hi everyone,I have already written to Lloydsicon requesting that they repay bank charges and excess overdrafticon interest,they in return offered £750 in Full and final payment(my claim was for £1800)I replied with the standard letter.Since that time I have received a monthly statement showing a charge for overdraft interest,can I claim back these charges along with the balance of charges/excess overdraft interest which I am in the process of doing now.I need to act quickly as they have written to me giving me two days to pay the outstanding balance or they will refer my account to their debt collectorsicon.I'd be grateful for any help you can give.

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  2. 28th June 2009 16:01 #2
    BankFodder BankFodder is offline
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    Default Re: O/D Interest.

    Yes you can.
    Write to them. Put the whole sum in dispute and tell them that you are commencing court action.

    Don't expect any commonsense or meaningful dialogue from them. They are bullies.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 28th June 2009 16:19 #3
    conchy_joe conchy_joe is offline
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    Default Re: O/D Interest.

    Thanks Bankfodder,Just to clarify,even though it just states "overdrafticon interest" and not o/draft excess I can still claim along with the remaining unfair charges.As an additional bit of information they wrote to me last year offering to put the entire overdraft in the form of a loan..I ignored this letter because I didn't want to lose the original description of the amount I wanted to reclaim.

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