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.
This may be blindingly obvious but...your girlfriend has signed the letter hasn't she? You can't sign it for her, as the bank will (quite rightly) not talk to you about it.
Right, now I understand it's the excess fee's I'm going after. I know I've got to write the letter saying how much I'm claiming back, but what I don't understand is what parts of that I can be claiming. Can I claim all of those things or just the excess fee's?
Also I have to include a schedule of fees? What goes on this?
I've seen all the spreadsheets but I have no idea which one to use.
Arrgh! I'm usually quite bright but this is TOTALLY baffling me. Any help is gratefully received, by me and my girlfriend!
Hi
You can also claim O/D Usage fees.
You can claim O/d excess fees, unpaid DD Charges, unpaid CHQ Charges, unpaid SO charges.
The o/d interest is quite a complicated one to work out, you can claim back part but not all, and I personally, along with some others on here, didn't bother claiming this as it didn't add up to a great deal.
If you fill one of the spreadsheets out, I think I used the basic one, and then print this out as your schedule of charges to send to the bank.
Hope this helps a bit, it will all become clearer the more you do!
Good luck!
Barty
Right, lemme get this straight. I'm still waiting for them to get back to me after I sent the first letter. They've got til Feb 1st to respond (assuming 14 working days). Once they respond (assuming they do) I should then send another letter with the revised amount? Or should I just send another letter now with the revised amount and then count the 14 days from then?
Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.
Like any business, we do make a charge for some of our extra services. When customers don’t have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can’t agree it. We feel it’s fair to charge for this service.
Of course it’s only fair too, that we’re completely open about any charged-for services before you take them up. That’s why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.
Just as importantly, we do everything we can to help our customers avoid these charges altogether. I’m sure you’ll know how easy it is to keep a running check on how much is in your account. You’re free to get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.
If you know a payment is going to take you over the limit we’ve agreed, you’re welcome to see if we can raise it — and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.
You’ve mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don’t agree with the OFT’s thinking on this and we’re still talking it through with them. But the important point is that the guidelines are about ‘default’ charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you haven’t broken your agreement. They are our prices for the service we provide in these situations.
I do hope you can see that we make our charging system as fair as possible — and why I can’t agree to cancel your charges.
Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the Financial Ombudsman Service for independent advice.
If you are happy with the way I have dealt with your complaint, there is no need to reply to my letter. If I have not heard back from you by the 14/03/2007, I will close my file, though I will be happy to reopen it should you come back at any point afterwards.
Yours sincerely,
Debbie Gilbert
Team Manager
Customer Service Recovery Centre Andover
Going after the charges for my girlfriend...
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