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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    telclarke Novitiate

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    Default Just received bank statement

    Hello all,

    I have just received back the statement from my bank, they have very kindly filted it for me so that only the charges are listed, however there seems to be an awful lot of them. I previously had an overdrafticon of £1800 and I wanted to know what I can claim back, the charges are listed below:

    RC - Returned Cheque
    UC - Unpaid direct debiticon
    IC - Debit Interest
    MC - Unpaid Standing Order
    OD - Unauthorised Daily Overdraft Fee
    QC - Guaranteed Cheque Charge
    DC - Forced Card Transaction

    can I claim against all of these.

    Thanks in advance
    TC

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  2. #2
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    essjaysea Novitiate essjaysea Novitiate

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    Default Re: Just received bank statement

    Looks to me as if you can claim all of those back, with the possible exception of the "Information Commissioner" - Debit interesticon.

    Not quite sure what that refers to. If it refers to interest payable whilst you were overdrawn, then they are entitled to charge for it

    Preliminary Letter sent to Woolwich 05/06
    LBA sent 19/06
    Court claim filed 04/07 : Total £824.75
    Acknowledgement of Service 27/07
    Defence received 08/08
    AQ filed 11/08
    Barclays AQ filed 05/09
    Hearing date 20/12
    SETTLED IN FULL £840.49: 14/12/06

  3. #3
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    telclarke Novitiate

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    Default Re: Just received bank statement

    To be honest I really cannot believe how much is involved, it has just taken me most of the night adding it up. The 'IC' is only every present when I was in my overdrafticon and I think that it must be as it says 'Debit Interest' so I can leave this off, it will not make a whole lot of difference anyway. I know that i'm bad with money and I really should manage it better but surely they've been allowing me to be this bad because they have been making a fair wedge from me.

    DC207IC135.5MC82.5OD609QC3690RC700UC516510589

    Do you think they will pay this out or will it go right to the vey end?


  4. #4
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    essjaysea Novitiate essjaysea Novitiate

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    Default Re: Just received bank statement

    Once you send off your preliminary letter, they will almost certainly make you an offer of between 30% - 50% of your claim, but will resist until the last minute, ie days before the court hearing, before settling in full

    Preliminary Letter sent to Woolwich 05/06
    LBA sent 19/06
    Court claim filed 04/07 : Total £824.75
    Acknowledgement of Service 27/07
    Defence received 08/08
    AQ filed 11/08
    Barclays AQ filed 05/09
    Hearing date 20/12
    SETTLED IN FULL £840.49: 14/12/06


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