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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    moody Novitiate

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    Question moody vrs RBS - which charges ??

    hi guys , just had my statements come through !!!!!! - had a quick look last night and was blown away with all the charges that have been applied over the years - infact i was nearly sick . like somebody else says on a previous thread i was amazed looking back on what my life was like !! - if only i knew then what i know now.

    what charges if any should i look out for ? well apart from the obvious ie returned cheques , direct debiticon , standing orders and referels ??

    thanks for the help so far

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  2. #2
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    livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad's Avatar

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    Default Re: moody vrs RBS - which charges ??

    Quote Originally Posted by moody
    hi guys , just had my statements come through !!!!!! - had a quick look last night and was blown away with all the charges that have been applied over the years - infact i was nearly sick . like somebody else says on a previous thread i was amazed looking back on what my life was like !! - if only i knew then what i know now.

    what charges if any should i look out for ? well apart from the obvious ie returned cheques , direct debiticon , standing orders and referels ??

    thanks for the help so far
    hi the charges you list are the one you can claim for. You cant claim for overdrafticon fees or account fees. the best thing to do is read the FAQs this will guide you through the whole process. good luck.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

  3. #3
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    Aitken Brotherston Novitiate

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    Default Re: moody vrs RBS - which charges ??

    You can claim back the charges taken for overdrawing your account (exceeding OD limit even if that limit is zero if you have no overdrafticon arrangement). As Livelylad said you cannot claim for normal OD fees etc.
    Do read the FAQs and threads.


  4. #4
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    Question Re: moody vrs RBS - which charges ??

    am i right in saying a can claim back the referel fees ?? as these seem to be the bulk of my charges ??


  5. #5
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    Default Re: moody vrs RBS - which charges ??

    Moody,

    yep!! All of those £90 a month soon add up don't they!! Don't forget to check what account charges you have 'paid', you may find that the Bank has added the £28 unauthorised overdrafticon charge onto your Royalties membership, you can claim the "28 back but not Royalties fees!!

    BC

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!

  6. #6
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    Default Re: moody vrs RBS - which charges ??

    do they !! that what nearly made me sick !!! i thought id just have a quick flick through and it was £90 virtually ever month !!!!!!!!!!


  7. #7
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    Default Re: moody vrs RBS - which charges ??

    Well,

    it should be yours again by Christmas(ish)!!

    BC

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!


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