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.
Hi Don't worry it can be overwhelming at times.....a HUGE learning curve!!
So, I'm not sure what you are confused about? You can claim back all charges, referral, exceeding o/d limit, returned dd/chq, card misuse fee....all of them. they are all disproportionate and unlawful. It's odd that they haven't stipulated what the CHG £28 actually is, probably exceeding overdraft fee??? but it's definately claimable.
Hi, I've just posted my spreadsheet on my thread and the £28 was a standing charge for me going over my overdraft limit each time. The others were for referral charges and the interest charged on the o/d.
Am I able to claim the £0.11 interest that I was charged by BOS for the period I was in an unauthorised overdraft? (I went into this overdraft by my own stupid fault, not due to charges levied to my account).
Hi Don't worry it can be overwhelming at times.....a HUGE learning curve!!
So, I'm not sure what you are confused about? You can claim back all charges, referral, exceeding o/d limit, returned dd/chq, card misuse fee....all of them. they are all disproportionate and unlawful. It's odd that they haven't stipulated what the CHG £28 actually is, probably exceeding overdraft fee??? but it's definately claimable.
Good luck
Wxx
Yep - Sound like thats what the £28 is for. Phew as I'd had included this in my calculation earlier.
Hi, I've just posted my spreadsheet on my thread and the £28 was a standing charge for me going over my overdraft limit each time. The others were for referral charges and the interest charged on the o/d.
That's ok I claimed and won overdraft inerest, but it was ONLY interest applied to my account when the o/d consisted completely of unfair charges. You have to do some working out but it may be worth it (over £500 to me )
Anyway wheresmedoughgone (love the name!!) if you are contemplating claiming contractual interest which is what SweetRevenge is doing then read up a little first so that you are completely sure of what you're doing. here's a thread that may help you....
It's important to understand that (and it has only just sunk in recently with myself) contractual interest wether it be unauthorised or authorised is one thing but to claim compounded contractual interest is another. Compounding is the method which banks use to apply their rate of interest. Keep that in mind when you decide what to do.
Please be gentle - Me v RBOS
charges/fees.
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Don't worry it can be overwhelming at times.....a HUGE learning curve!!
Sweetrevenge 
Originally Posted by willowb
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