Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


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)

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  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    rjb1986 Novitiate

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    Cagger since : Sep 2006
    Posts : 1 (0.00 post per day)

    Angry Bank Charges For Unpaid Cheque- Help!!

    Hi. I recently received a cheque and deposited it in my bank account last Wednesday (20/09/06) for 12, for a game i sold on Ebay. But then today (25/09/06) i read on my online statement that the cheque was unpaid and i had been charged 12 because of this. i phoned Lloyds TSB and they said that they would try clearing the cheque again, but if it fails to clear again, they would charge another 12. so from having 12 paid into my account, i will probably be 24 down. i know that they may seem relatively small amounts, but i am still being charged for another persons problems. i have emailed the person who sent me the cheque to tell them that i want back any charges i have been forced to pay, but the chance of me being paid back is little to none. is there a way i can get my bank to give me my money back? help would be very much appreciated. thanks

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  2. #2
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    lucid Informative lucid Informative lucid Informative lucid's Avatar

    Follow Real_CAG on Twitter
    Cagger since : Apr 2006
    Posts : 855 (0.19 post per day)

    Default Re: Bank Charges For Unpaid Cheque- Help!!

    Probably the best approach would be to send them an adapted Preliminary letter found here. The reason I'm suggesting this approach is because you say you have already tried to phone them about it but they have said they will still charge you. If it was me I'd adapt the prelim to this specific circumstance so that it still includes all of the technical knowledge of bank charges being unlawful, but also explains that this is a charge incurred at the fault of somebody else.

    If they don't pay up then proceed with a letter before actionicon. I'd imagine for this small amount they would end up paying it back before any kind of court action needs to be instigated - but you never know.

    Good luck. Lucid

    Mindzai & Lucid vs Lloyds TSB
    *Won unconditionally with contractual interest (29.85% compounded)

    Lucid's Account - 749.62 * Joint Account - 2019.64 * Mindzai's Account - 595.65
    *All settled in full - 6/2/07
    *Hearings - 7/2/07
    *Prelims sent - 9/8/06
    GOT A COURT DATE? A guide to the later stages


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