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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  1. #1
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    Dawn_H Novitiate

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    Default Just been charged!?

    Hello I'm new to posting in this site but have been reading for a while.

    I have only had an account with Halifaxicon for 8 months and yesterday I was charged £30 because a bill that come out made me go over my overdrafticon. ( this is the first time this has happened?

    Is there anything I can do about this? has anyone got any advice on what I can do?

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  2. #2
    cwk cwk is offline
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    Default Re: Just been charged!?

    Hi ther, I'm new to the site also and found the FAQ's a great starting point


  3. #3
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    Default Re: Just been charged!?

    It really does take a few days to get your head around all the arguments and all the information.

    You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'first steps.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you)

    Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.

    Good luck.

    You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.

    Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

    All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

  4. #4
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    Default Re: Just been charged!?

    Thank you for your help, I have read the FAQ and found it very helpful.

    I telephoned my bank this afternoon after noticing they have charged me 3 times for 3 direct debits coming out on the same day but they told me there is nothing I can do, and that I signed the contract and should of read the terms and conditionsicon which explain about the charges.


  5. #5
    cwk cwk is offline
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    Default Re: Just been charged!?

    Well you know what to do now



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE