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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Thread: New & Confused!

  1. 27th September 2006 22:29 #1
    smm77 smm77 is offline
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    Default New & Confused!

    I'm going through all my old statements (pretty complete so hopefully will mean I can bypass the first stage)...
    I have a royalties gold acc and with each statement I get a page that says 'advice of service charge'. It's £20 (maintenance chg) + £10 (fee) almost every month.
    Are these the charges I am trying to get back as well as the ones they levvied following going over my o/d limit, bounced cheques etc etc???

    Can anyone help please?

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  2. 27th September 2006 22:33 #2
    smm77 smm77 is offline
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    Default Re: New & Confused!

    Oh and what exactly is the 'referral charge' I see for about £40 every month, which is separate from the service charge?

    (I can't believe I've never really looked at my statements closely before)

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  3. 27th September 2006 22:46 #3
    BlueRuby
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    Default Re: New & Confused!

    OK, the £10 fee is what you're paying for the 'privilege' of having a Royalties Gold account ie you can't claim that back. Everything else you can The referral charge is usually where you didn't have enough funds to pay a DD or similar and the bank paid it anyway! For that YOU pay so claim it back!!

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  4. 27th September 2006 22:57 #4
    smm77 smm77 is offline
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    Default Re: New & Confused!

    Thanks! Bit sneaky how they just combine maintenance, fee and interesticon on overdrafts into one lump in your statement.

    Really keen to get the ball rolling but am a bit worried about getting it all wrong!

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  5. 28th September 2006 09:37 #5
    clint1974 clint1974 is offline
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    Default Re: New & Confused!

    Welcome to the forum

    RBS Bank Acc £1750 Settle In Full 16/10/2006
    RBS Credit Card £132 18/09/2006
    BlackHorse Voluntary Termination
    Bankrupt May 2009
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE