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. 21st October 2006 23:28 #1
    pict pict is offline
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    Question BOS Charges (Maintenance)?

    Hi, Just recieved my list of charges from my Wife's BOSicon bank account and there are monthly charges of £15 listed as account maintenance charge 2000-04. Could anyone please let me know what this is and if this is a charge that I can claim back. Sorry if this is a dumb question but I have never came accross this charge before.

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    Advice given is purely my opinion, and is not based on any legal training.

    BOS Credit Card..................... ......Hearing Date 07/02/07
    Full Settlement............... ...............13/02/07
    BOS Bank Account ......................... total charges £8,655.92
    1st offer.................... ......................... .£1620.00 01/12/06 Rejected
    2nd offer.................... ......................... £3255.00 03/01/07 Rejected
    Summary Action victory.................£ 1499.02 22/03/07
    Full and Final offer.................... ........£7,200 19/04/07
    Pict...............
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  2. 22nd October 2006 10:41 #2
    RogerR RogerR is offline
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    Default Re: BOS Charges (Maintenance)?

    I have been wondering the same thing, also becuase I have a Royalties Gold account which has an agreed monthly charge (currently £12), but then I also have a maintenance charge of £28.00 on top!

    Roger

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  3. 22nd October 2006 11:54 #3
    mar10funster mar10funster is offline
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    Default Re: BOS Charges (Maintenance)?

    The only times i have ever had 'Account Maintenance' on my statements is at the end of the following month after i have been overdrawn. I am never charged it any other time. Therefore i figure it is a charge for them having to 'fix' your account and put it right following you being overdrawn. I am certainly asking for it back. Although as i said - i have only ever been charged it following being overdrawn. So it obviously relates to me being overdrawn and the charges for that. You may not be able reclaim a charge that is applied to your account monthly regardless of whether you are overdrawn or not. I would certainly query with the bank what it is for? If they can't give an adequate explanation - claim it back

    14/8/06 - S.A.R Request to B.O.S for C.Account + 2 C. Cards Statments. Sent to HBOS, The Mound, Edinburgh (R.Delivery)
    18/09/06 - S.A.R. Request Reminder Letter sent to HBOS, The Mound, Edinburgh. Local Branch C.C. (R.Ddelivery)
    19/09/06 - 01/10/06 - Requested Information Received - Various Packages and Letters
    11/10/06 - Prelim Letter Posted to HBOS, The Mound, Edinburgh. Local Branch C.C. (R.Ddelivery)

    18/10/06 - Letter Received from HBOS as follows "your complaint will be passed to a Customer Services Manager....get back to you within 4 weeks"

    01/04/07 Full Charges Received. Small Claims case won as bank failed to lodge defence. They initially refused to pay up and it was only through contact with a Sheriff Officer that they done so.

    Case Closed - Hurrah
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  4. 22nd October 2006 12:01 #4
    pict pict is offline
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    Default Re: BOS Charges (Maintenance)?

    Thanks, I'll check over the history of the charges to see if they are only charged when the account was overdrawn.
    Just checked statements and the account was always in overdrafticon before the Account Maintenance was applied. I will add this to the charges that I am claiming back and see what happens. Thanks for your help.

    Advice given is purely my opinion, and is not based on any legal training.

    BOS Credit Card..................... ......Hearing Date 07/02/07
    Full Settlement............... ...............13/02/07
    BOS Bank Account ......................... total charges £8,655.92
    1st offer.................... ......................... .£1620.00 01/12/06 Rejected
    2nd offer.................... ......................... £3255.00 03/01/07 Rejected
    Summary Action victory.................£ 1499.02 22/03/07
    Full and Final offer.................... ........£7,200 19/04/07
    Pict...............
    Reply With Quote Reply With Quote
  5. 22nd October 2006 23:57 #5
    laurenbelle laurenbelle is offline
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    Default Re: BOS Charges (Maintenance)?

    I have had the same thing, the £12 being for the Royalties Gold Acc then a £28 overdrafticon charge!

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