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)


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  1. #1
    NATTIE
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    Default A little advice on charges guide

    I am posting in all bank forums on a guide that I asked initially for help on the Bank Workers section. I hope to get a guide together on each bank forum on the charges and their changes over the last 6 yearsicon. So can you help me to help the Moderators and site helpers on the site with an easy access guide to penalty charges. I need to know amounts and charge over the last 6 years.

    This thread is a research thread so I can collate all the charges into one single thread to help newbies and this site to calculate their charges as quickly as possible.

    Thanks in Advance for your help

    Similar Threads:

  2. #2
    NATTIE
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    Default Re: A little advice on charges guide

    Any help please pretty please with sugar on top!!


  3. #3
    ian cognito
    Guest

    Default Re: A little advice on charges guide

    Alliance & Leicester

    2004 (sorry can't go any further back)

    Paid item charge £25
    Failed direct debiticon/standing order charge £30
    Unauthorised overdrafticon charge £25

    2005
    Failed Direct Debit charge £34
    Unauthorised overdraft charge £25
    Paid item charge £25

    2006
    No change


  4. #4
    NATTIE
    Guest

    Default Re: A little advice on charges guide

    Top banana!


  5. #5
    NATTIE
    Guest

    Default Re: A little advice on charges guide

    Thanks Jan for your help but 2000- 2003 for A &L?


  6. #6
    Site Team caro has disabled reputation caro's Avatar

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    Default Re: A little advice on charges guide

    This will be a really useful tool for the users on this forum and all the others, so please help NWSM. For those of you who don't know him, he is really quite nice, so don't be put off by the name!

    Thanks for the help Natty

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    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

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    The Consumer Action Group is a free help site.
    Should you be offered help that requires payment please report it to site team.

    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
    Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
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    Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

  7. #7
    Lil Lil is offline
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    Default Re: A little advice on charges guide

    hi nwsm
    heres a few i had, hope it helps;
    July 2001 Unpaid cheque charge £27.50

    June 2002 paid item charge £25.00
    Sept 2002 Failed DD charge £29.50

    April 2003 Failed DD charge £29.50
    June 2003 Failed cheque charge £29.50

    April 2004 Paid item charge £25.00
    July 2004 Failed DD charge £29.50
    Nov 2004 Failed DD Charge £30.00

    Nov 2005 Failed DD charge £34.00

    Feb 2006 Failed DD charge £34.00
    June 2006 Paid item charge £25.00

    Think they charge what they feel at the time by the looks of it!!!! Keep up the good work!!

    Lily


    Alliance & Leicester;
    LBA 22nd July 2006
    Reply 31st July
    MCOL 6/8/06
    PAID IN FULL 25th August 2006.....
    DONATION HAPPILY GIVEN.......

    If you are happy with my help please click on the scales at the side of this message

  8. #8
    NATTIE
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    Default Re: A little advice on charges guide

    Thanks, that very good info


  9. #9
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    nackers Novitiate

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    Default Re: A little advice on charges guide

    I have to say having just done mine the A&L charges are very confusing when you get back to 2004 and before. It seems to be £25 monthly OD charge and £29.50 failed cheque on mine before June 2004 and as above thereafter.

    Alliance and Leicester: started 2/9/6, LBA 7/11/06.

  10. #10
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    spotton Novitiate

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    Default Re: A little advice on charges guide

    I will look up my A&L charges for you. Should make good reading for a bank worker!


  11. #11
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    spotton Novitiate

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    Default Re: A little advice on charges guide

    Where does the term 'penalty charge' come from? Are they meant as a punishment meted out to those who, for whatever reason, do not keep their accounts in order? I thought the banks argument was that these charges cover administration costs'. Why, then, penalty?


  12. #12
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    LeeS80 Novitiate

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    Default Re: A little advice on charges guide

    HSBCicon 2001:

    Recall £28.00
    Total Charges £27.50

    HSBC 2002:

    Recall £30.00
    Total Charges £27.50
    Card Misuse £30.00

    HSBC 2003:

    Unpaid Item £30.00
    Total Charges £18.00 - don't know what happened there!!

    HSBC - S.A.R - (Subject Access Request) 30/10/06

    07/11/06 - Letter refunding cheque and informing statements will be along shortly.
    08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.
    09/11/06 - Sending of prelim request for refund! £913.50
    27/11/06 - Letter from Royal Mail, original prelim lost in post!!
    06/12/06 - Another prelim sent
    19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

    Capital One - S.A.R - (Subject Access Request) 31/10/06

    Sent off prelim for £392.00 - All adds up I suppose! 06-12-06
    Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

    GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

    Store card account. Charges approx £200, prelim being sent off in the new year!

  13. #13
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    Default Re: A little advice on charges guide

    Alliance & Leicester DD Charge 2001: £25.00...... cheap as chips

    SHERLOCK


  14. #14
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    Default Re: A little advice on charges guide

    I have a failed direct debiticon charge 16th Nov 2000 £27.50.


  15. #15
    NATTIE
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    Default Re: A little advice on charges guide

    well as you know claim it back


  16. #16
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    Default Re: A little advice on charges guide

    can any one please help i started going through the process of retreiving my bank charges and have just received a letter from a&l saying in so many words no can do. that was the lbaicon. SO NOW ITS GOING TO AS FAR AS COURT BUT I HAVE GONE THROUGH THE COURT BUNDLE AND DONT NO WHERE TO START can any one point me in the right direction and where to start first. my son deleted all my emails just before christmas so i have gone on to this thread i hope its not a problem because i dont knoww where i was its such a big site.


  17. #17
    NATTIE
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    Default Re: A little advice on charges guide

    Have you filed a claim online yet? if not then you need to go and start the process of suing them


  18. #18
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    Default Re: A little advice on charges guide

    :-? No not yet was'nt sure what i had to do first. I no this may sound stupid but how do i do that im not the brightest of people and its took me quite a lot to get this far so am amazed at myself any help and advice you could give me would be very much appreciated thanks


  19. #19
    NATTIE
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    Default Re: A little advice on charges guide

    Ok willett, have you got a live thread on the forum? What you need to do is re read the step by step instructions again in the bit that relates to making a claim.


  20. #20
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    Default Re: A little advice on charges guide

    Hi, I don't know if you're still interested in this. I've got figures to 2000.
    un auth o/d £3.50 per day to a max of £52.50
    failed dd £10.00 or £27.50 depends on value of dd
    failed chq £10.00 or £27.50 depends on value of chq

    Jenny



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