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.

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  1. 28th April 2012 11:01 #1
    dylanward dylanward is offline
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    Default Overdraft Protection - can i claim it back?

    Hi,
    can anyone tell me if I would be able to claim back overdrafticon protection payments for 6 yearsicon?

    I've been paying 13.60 a month during that time and the overdraft is 1700,
    this protection was set up when I increased my overdraft due to financial difficulties.

    The whole process (application) was done online and basically I was not allowed to increase my overdraft without taking this protection,
    there was no option to opt out.

    Any help greatfully appreciated,

    thanks,

    A Ward

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  2. 28th April 2012 11:17 #2
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    Default Re: Overdraft Protection - can i claim it back?

    If it was mandatory then yes, I would imagine you could claim it back

    I am sure one of the PPIicon guys will be around to advise later on today

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  3. 28th April 2012 13:00 #3
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    Default Re: Overdraft Protection - can i claim it back?

    yes ofcourse you can and PASSED 6yrs too.

    have you all the statements?

    if so treat it as a running CI account

    use the fosicon ci running sheet.

    http://www.consumeractiongroup.co.uk...laims-Dec-2011

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  4. 28th April 2012 23:05 #4
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    Default Re: Overdraft Protection - can i claim it back?

    Hi Dylan and welcome to CAGicon

    Have the payments varied at all.

    As already said, this sound like PPIicon and should be reclaimed with Compound interesticon.



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  5. 30th April 2012 18:33 #5
    dylanward dylanward is offline
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    Default Re: Overdraft Protection - can i claim it back?

    Hi, the payments have always been £13.60 since the overdraft was arranged (approx 5-6 years ago).

    On a separate note we are trying to manage our debts through the CCCS and have agreed with almost everyone else to pay back a reduced amount each month until its clear, but Barclaysicon have closed the account and sent us a nasty letter demanding the Overdraft be paid back in full or it will accrue interesticon at 82p a day until it is! I'm sure this is an idle threat, and hope its just a standard letter but obviously we're not particularly keen on being taken to court! Seems odd that their response to a letter about struggling with debts is to demand a full repayment, clearly we do not have this money... Going off the PPIicon Calculator we are owed £1100 of the overdraft so they can start by knocking that off...

    Thanks,

    D Ward

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  6. 30th April 2012 23:32 #6
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    Default Re: Overdraft Protection - can i claim it back?

    Moving this to the PPIicon forum.

    Use the letters and examples in this forum to set about reclaiming these charges.

    I wouldn't assume Barclay's demand for full repayment is an idle one. If you're having Financial Difficulty, see here and write to the bank asking that they stop adding any interesticon or charges - http://www.consumeractiongroup.co.uk...n-for-hardship

    If this stops them adding 82p every day, that'll be a lot saved in a year.



    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

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  7. 1st May 2012 00:59 #7
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    Default Re: Overdraft Protection - can i claim it back?

    Quote Originally Posted by dylanward View Post
    Hi, the payments have always been £13.60 since the overdraft was arranged (approx 5-6 years ago).

    On a separate note we are trying to manage our debts through the CCCS and have agreed with almost everyone else to pay back a reduced amount each month until its clear, but Barclaysicon have closed the account and sent us a nasty letter demanding the Overdraft be paid back in full or it will accrue interesticon at 82p a day until it is! I'm sure this is an idle threat, and hope its just a standard letter but obviously we're not particularly keen on being taken to court! Seems odd that their response to a letter about struggling with debts is to demand a full repayment, clearly we do not have this money... Going off the PPIicon Calculator we are owed £1100 of the overdraft so they can start by knocking that off...

    Thanks,

    D Ward
    that might be a bit low?

    use

    CISheet v101.xls


    enter the OD int rate in cell D15

    then enter EVERY £13.60 with the date it was charged in rows 20 onwards

    dx

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    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
    RIP Martin3030
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