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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    mark.norgate Novitiate

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    Default Can I claim "Debit Interest" and "Service charge"?

    Hello

    After a lot of to-ing and fro-ing, Smile finally sent my statements dating back six years.

    On the months I am charged for "Daily Excess Charge", I am also charged a "Service Charge". Does this mean I can claim this back too, since they seem to be related?

    Also, they kindly highlight the charges on each statement sheet at the bottom, which includes "Debit interesticon". Can I claim this?

    Thanks, Mark

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  2. #2
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    nathal Novitiate nathal's Avatar

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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    take a look in FAQ's to see what you can claim, but if its a penalty then yes

    -----------------------------------------------
    Mortgage Express charges- settled in full after issuing claim

    ------------------------------------------------
    To view the FAQ'S click here: http://www.consumeractiongroup.co.uk...se-read-these/
    To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk...ction-act.html
    To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk...re-action.html
    To find Registered Address:
    http://www.esd.informationcommission...esd/search.asp


    If my advise helps click here http://www.consumeractiongroup.co.uk...n.php?p=366404

  3. #3
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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    Quote Originally Posted by nathal
    take a look in FAQ's to see what you can claim, but if its a penalty then yes
    I can't find the relevant FAQ. Any chance of a link?

    Thanks, Mark (not lazy, just thick)


  4. #4
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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    -----------------------------------------------
    Mortgage Express charges- settled in full after issuing claim

    ------------------------------------------------
    To view the FAQ'S click here: http://www.consumeractiongroup.co.uk...se-read-these/
    To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk...ction-act.html
    To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk...re-action.html
    To find Registered Address:
    http://www.esd.informationcommission...esd/search.asp


    If my advise helps click here http://www.consumeractiongroup.co.uk...n.php?p=366404

  5. #5
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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    You can claim the proportion of the interesticon that relates to the charges, but not all of the debit interest.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



    What's Best for You?


    The Consumer Action Group is a free help site.
    Should you be offered help that requires payment please report it to site team.

    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
    Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
    Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

    Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

  6. #6
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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    and the service charge


  7. #7
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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    The 15 quid for being overdrawn in the month? yep.

    Fed up with bank charges?
    Email your MP TODAY!!!

    Sign the Petition

    When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.

    END LEGAL LOAN SHARKING
    SIGN THE PETITION TODAY



    What's Best for You?


    The Consumer Action Group is a free help site.
    Should you be offered help that requires payment please report it to site team.

    Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
    Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
    Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

    Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

  8. #8
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    mark.norgate Novitiate

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    Default Re: Can I claim "Debit Interest" and "Service charge"?

    Ok, thanks!

    I'm about to submit my claim for over three grand, I'll let you know how I got on.

    Mark



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