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. #1
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    jn1702 Novitiate

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    Default Unexpected interest charge

    Hello I run a ltd company we have an agreed overdrafticon of 70,000, which we pay around £230 a month interest on. Out of the blue an unexpected charge of 915 has been applied taking us over the overdraft limit incuring charges etc. Phoned the bank manager who fobbed me off. I've got a meeting with him at 2.00 today. Any ideas anyone? I realise before 2 is asking!


  2. #2
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    elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore's Avatar

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    Default Re: Unexpected interest charge

    Hi jn1702.

    Do come back and tell us what happened.

    Els

    [B][SIZE=3]BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN [COLOR=#000000][URL="http://epetitions.direct.gov.uk/petitions/6571"]THIS[/URL] PETITION[/COLOR][/SIZE][/B]

    [FONT=Franklin Gothic Medium][B]Aktiv Kapital [COLOR=red]£300.00 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/B][/FONT]
    [FONT=Franklin Gothic Medium][B]Capital One [/B][COLOR=red][B]£741.47 [COLOR=lime]SETTLED IN FULL [/COLOR][/B][/COLOR][/FONT]
    [LEFT][FONT=Franklin Gothic Medium][B]Citi Cards [COLOR=red]£1221.00[/COLOR][COLOR=lime] SETTLED IN FULL[/COLOR][/B][/FONT][/LEFT]
    [FONT=Franklin Gothic Medium][B]LTSB(personal) [COLOR=red]£3854.28 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/B][/FONT]
    [B][FONT=Franklin Gothic Medium][COLOR=black]LTSB(business) [COLOR=red]£7487.97 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/COLOR][/FONT][/B]

    [FONT=Garamond][SIZE=1]What poor education I have received has been gained in the University of Life[/SIZE][/FONT]

  3. #3
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    Default Re: Unexpected interest charge

    meeting went okish I identified two charges one an interesticon charge of 915 and an arrangement fee of 750. What are these for? I asked. I don't know I'll send a message to head office and ask them. he said. I don't get it how can charges be on an account and he doesn't know why or what for? I think I'll follow it up with a letter formally asking for an explanation. Does anyone know of anyone who can look at statements and say yes thats fair or no it isn't or is that to simple? Thanks


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    Default Re: Unexpected interest charge

    Yes, follow it up with a letter to the person you saw today, confirming what was asked and what was said at the meeting. State that you expect a reply, with an explanation, in seven days.

    You are perfectly justified in querying any charges applied to your account and the bank have a duty to explain and justify the reasons for them.

    Such large amounts should be pre-advised.

    If you don't get a reply in seven days, send a reminder.

    Please let us know how you get on.

    Els

    [B][SIZE=3]BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN [COLOR=#000000][URL="http://epetitions.direct.gov.uk/petitions/6571"]THIS[/URL] PETITION[/COLOR][/SIZE][/B]

    [FONT=Franklin Gothic Medium][B]Aktiv Kapital [COLOR=red]£300.00 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/B][/FONT]
    [FONT=Franklin Gothic Medium][B]Capital One [/B][COLOR=red][B]£741.47 [COLOR=lime]SETTLED IN FULL [/COLOR][/B][/COLOR][/FONT]
    [LEFT][FONT=Franklin Gothic Medium][B]Citi Cards [COLOR=red]£1221.00[/COLOR][COLOR=lime] SETTLED IN FULL[/COLOR][/B][/FONT][/LEFT]
    [FONT=Franklin Gothic Medium][B]LTSB(personal) [COLOR=red]£3854.28 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/B][/FONT]
    [B][FONT=Franklin Gothic Medium][COLOR=black]LTSB(business) [COLOR=red]£7487.97 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/COLOR][/FONT][/B]

    [FONT=Garamond][SIZE=1]What poor education I have received has been gained in the University of Life[/SIZE][/FONT]


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