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. 25th April 2006 17:46 #1
    RSPEED RSPEED is offline
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    Bank charges reclaim.

    Well I've just sent the first letter off requesting my bank statements for the last six years to start the ball rolling. Can I do the same for my credit cards? If I have been even a day late with payment they always charged circa £20 even if I offer to pay over the phone ON THE DAY THE PAYMENT IS DUE, they say they need 3 -5 days clearance etc. I have set up a D/D to pay min fee now just incase I can't get the balance paid off by the due date. At least this stops a late payment charge. But can someone advise me, can I call back some unreasonable charges from the credit card companies? Do I use the same as the bank template letter?
    Thanks,
    Bec

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  2. 25th April 2006 17:50 #2
    alanfromderby alanfromderby is offline
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    Default Re: Bank charges reclaim.

    Exactly the same process for CC charges.

    Alan, Derby, UK.



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  3. 25th April 2006 17:50 #3
    Lueeze
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    Default Re: Bank charges reclaim.

    Yes you can but please read the FAQ section 1st that way you will know all there is to know!

    Good Luck

    Lou x

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  4. 25th April 2006 18:27 #4
    rockhag rockhag is offline
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    Default Re: Bank charges reclaim.

    So is this the same with store cards and loans etc.

    If this is the case I may be sitting on a goldmine here???? :o

    Abbey: 15/04/06 - Data Protection Act letter sent.
    5th or 6th July - 2nd letter sent.
    HSBC: 10/04/06 - Have to write DPA letter.
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  5. 25th April 2006 18:30 #5
    alanfromderby alanfromderby is offline
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    Default Re: Bank charges reclaim.

    Exactly the same - there is even a forum just for store cards.

    Alan, Derby, UK.



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  6. 25th April 2006 18:31 #6
    woolfie woolfie is offline
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    Default Re: Bank charges reclaim.

    Quote Originally Posted by rockhag
    So is this the same with store cards and loans etc.

    If this is the case I may be sitting on a goldmine here???? :o
    Exactly the same for storecards etc.

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  7. 25th April 2006 19:21 #7
    rockhag rockhag is offline
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    Default Re: Bank charges reclaim.

    Wow. I assume it's a tenner a pop for the dpa information as well then or is it worth ringing the creditors first to see if they'll send it out for free?

    Abbey: 15/04/06 - Data Protection Act letter sent.
    5th or 6th July - 2nd letter sent.
    HSBC: 10/04/06 - Have to write DPA letter.
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  8. 25th April 2006 19:25 #8
    woolfie woolfie is offline
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    Default Re: Bank charges reclaim.

    I dont suppose there is any harm in trying but they will probably try and sting you for some mad £5 a statement nonsense but give it a try.

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