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
+ Reply to Thread
Results 1 to 4 of 4
  1. 23rd August 2006 21:55 #1
    gabriellemot gabriellemot is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         gabriellemot Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    I am in
    Manchester
    Posts
    1

    Smile Are these all 'penalty charges'?

    I am new to this and a bit confused. I want to claim back from Alliance and Leicester
    'Unauthorised overdrafticon charge' £25 per month, sometimes another £25 after day 2
    'Monthly OD charge - £5 per month
    'Failed DD charge' £34 a time

    Are all these penalty charges that I could claim back?

    Gabby

    Similar Threads:
    Reply With Quote Reply With Quote
  2. 27th August 2006 12:23 #2
    lurchy666 lurchy666 is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         lurchy666 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jul 2006
    I am in
    wisbech
    Posts
    20

    Default Re: Are these all 'penalty charges'?

    yep first thing to do is send off for your statments (data protection letter) and then calcaluate what they've taken off oyu in the last 6 yearsicon then send the prelim letter (all in templatres libary ) with the squedule of charges

    Reply With Quote Reply With Quote
  3. 27th August 2006 14:55 #3
    caro caro is offline
    Site Team caro has disabled reputation caro's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    Posts
    25,159
    Blog Entries
    1

    Default Re: Are these all 'penalty charges'?

    Quote Originally Posted by gabriellemot
    I am new to this and a bit confused. I want to claim back from Alliance and Leicester
    'Unauthorised overdrafticon charge' £25 per month, sometimes another £25 after day 2
    'Monthly OD charge - £5 per month
    'Failed DD charge' £34 a time

    Are all these penalty charges that I could claim back?

    Gabby
    Hi Gabby and welcome. I agree that the other charges are penalties but am less clear about the monthly OD charge. If this was a charge for a service that you agreed to you cannot claim it. If you were only charged this if you went over your limit it is likely to be a penalty. You cannot claim for genuine service charges though.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



    What's Best for You?


    The Consumer Action Group is a free help site.
    Should you be offered help that requires payment please report it to site team.

    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
    Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
    Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

    Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
    Reply With Quote Reply With Quote
  4. 27th August 2006 15:45 #4
    Spiceskull Spiceskull is offline
    Gold Account Holder
    Help the CAG!!
    Download our toolbar         Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull Authoritative Spiceskull's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    I am in
    Snozzell
    Posts
    5,214

    Default Re: Are these all 'penalty charges'?

    I also believe that the £5 monthly charge for overdrafticon facilities is irrecoverable - it sounds like a service to me, and as such the bank is entitled to charge it.

    Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

    All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
    Reply With Quote Reply With Quote
« Previous Thread | Next Thread »

Browsealoud Video Tour



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