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.
The beginnings of a charges guide and historic charges
I am appealing for your help on Penalty charges and their changing amounts over the last 6 years, maybe even their changing names. I hope to use this as a research thread for now so I can collate all the details into one thread to help the Mods and Site Helpers to have an easy reference guide for newbies.
Re: The beginnings of a charges guide and historic charges
Ok this has not been working well so I will give you the grand idea. I want to put together a definitive charges thread for Co Op bank. The amounts have changed in 6 years so I want to know the figures for unpaids referrals over the overdraft limit, the full works, so go on post something to start it off. Please
Re: The beginnings of a charges guide and historic charges
your starter for 10 or should that be 15...20...25..30..39 ???
Figures taken from statements based on a Privilage account not sure if charges were standard accross accounts will post 'basic' current details in seperate post
Sept 02
Authorised o/d no int charges on first £100 int charged at 1.02% per month (12.9% AER) thereafter
Unauthorised O/d £25 + £9 each day balance increases (max 4) 2.21% per month (29.9% EAR) (called service Charge & Dailly Excess Charge on statement)
Unpaid DD/ bounced chq etc £30 (called commission on statements)
Apr 03
Unauthorised O/d £25 + £15 each day balance increases (max 5) 2.21% per month (29.9% EAR) (called service Charge & Dailly Excess Charge on statement)
Unpaid DD/ bounced chq etc £35 (called commission on statements)
From what I can see these are the only times charges have changed in the past 4 years not bad really
Re: The beginnings of a charges guide and historic charges
The figures that janquiney posted above can be confirmed back to sept 2000 however I believe commission charges were £30 and not £15. Unauthorised o/d int rate was charged at 32.92% pa/2.4% per month.
Re: The beginnings of a charges guide and historic charges
I think the statute of limitations will give you no legal ground to claim charges any further back than 6 years from the time you make your claim to the bank. You can still claim, but you will have no legal grounds to recover the money. Saying that, is worth checking with other people in case I have the wrong understanding of the law
Re: The beginnings of a charges guide and historic charges
As most of you already got through so much grief and trouble, I need your advise for my preperation against my partners bank. (co op)
She phoned her bank up, asking for the cost of getting the account statments of the last 6 years and they said it would cost her £5 for each month.So for 6 years thats then £360. Did you all pay £360 (!) to get your balance/transaction sheets? Nobody mentions that anywhere here.
Help me, what is going on?
She is obviously not saying on the phone to her bank. Excuse me please but the fellows of my partner on the interne said it is costing only £10 for all statments together.
So what should she refer to? Guys, I am struggling here.
Please help.
Thank you.
Alex :idea:
Re: The beginnings of a charges guide and historic charges
You need to send the SAR out of the templates library then it will cost you £10 for all of them, start your own thread in the co-op forum you'll get more help that way.
Re: The beginnings of a charges guide and historic charges
hey Janquinny.
Thank you very much for your quick and helpful reply. Got some reading to do now. Thanx for helping me or rather my partner to get started. I hope I can settle my partners frustration with her bank.
bye for now.
Alex
Re: The beginnings of a charges guide and historic charges
Hi All,
Got all my statements from the Bank, just so i know what i am doing, am i right in assuming that i can claim for all of the above mentioned charges (except the refunds of course ).
They have really ticked me off today, i had £8.34 in my account and some other money due in, a direct debit for £9.39 was refused, they then charged me £35 for it, another direct debit for £5.40 then arrived, as the £35 put me overlimit they refused that as well (another £35) then a third for £13 was refused (all in 2 days) (another £35), so they would not let my account go £19.45 over to pay these until the money cleared but they made me £96 overdrawn with their charges, thanks Muppets. i'll be having that back as well!!!!
Re: The beginnings of a charges guide and historic charges
Originally Posted by natweststaffmember
Ok this has not been working well so I will give you the grand idea. I want to put together a definitive charges thread for Co Op bank. The amounts have changed in 6 years so I want to know the figures for unpaids referrals over the overdraft limit, the full works, so go on post something to start it off. Please
I hope this is what you want going from my credit card charges as follows; 2004 arrears charge £ 20.00 ( that was 17/3/04- 9/5/04 charge up to £ 25.000) over limit 9/5/04 £ 25.00. 2005 arrears and over limit £ 25.00 It has been that ever since
The beginnings of a charges guide and historic charges
, maybe even their changing names. I hope to use this as a research thread for now so I can collate all the details into one thread to help the Mods and Site Helpers to have an easy reference guide for newbies.
Reply With Quote
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Originally Posted by natweststaffmember
