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.
I went into my local branch this morning to ask for a refund of £30 that I was charged when a DD of £1.50 put me overdrawn.
Now just so you know the full picture since September last year I have paid approx £900 in charges because I keep going overdrawn on two personal accounts. I have been trying to sort my finances out and I have been earning extra money to try and keep up but to little avail at the moment. But this charge above was the last straw.
The £30 was refunded but a note was put on my account that no more charges were to be refunded.
If I go ahead and ask for statements for the last six years and then follow up with the letter asking for a refund because of this note now on my account will they just laugh me away ?
I have asked the bank for help in the past to put the two accounts together but they said they wouldn't. If those charges hadn't come off them I could have been paying my overdraft back.
If anyone could answer my question I would appreciate it.
Hello and welcome.
You don't say if you're with BOS or RBS?
RBS don't usually put a note about charges on accounts (I've never seen it done in branch) but we can look back 12 months and see a list of how much (if any) was refunded each month. If the manager sees you've had charges refunded before then they're less likely to agree a refund, that's pretty standard.
Also you'd benefit from reading the faqs on this site, but to answer your question yes, they are still unlawful and you can still claim them back. Follow the help on this site and you will get your charges back.
(Yes I work for a bank but am here to help! Please be nice to me! )
Thanks for replying. I'm BOS and this is the first time that I've had charges refunded. The teller I dealt with said that they only refunded charges if there had been a bank error of some sort. She went away to speak to the manager to see if the charge could be refunded.
I've had a look through the site and using your advice and the information on the Govan Law site I'll be applying for my bank statements and then asking for the charges to be refunded.
Nice avatar by the way V for Vendetta is one of my favourites pity the film looks as if it will stink.
Its a decent film. Thought the V character was a good representation of what we're trying to do, though personally I'm not quite as crazy as him. (i hope! )
Good luck and all the best
(Yes I work for a bank but am here to help! Please be nice to me! )
depends what its for... RBS has at least 4 different "unlawful" charges:
Maintenace Charge (being overlimit) £28
Referal Charge (paying a DD etc when there isn't enough money for it) £30
Card Misuse Charge £35
Unpaid Item Charge £38
I've done my calculations on what charges have been levied against my accounts and I just need clarification on a couple of things.
1) What address do the letters to the Bank of Scotland go to ? I've looked at the contacts thread and am not sure if I send the letter to customer relations or not or to the Head office either in Edinburgh or Halifax.
2) Should I include interest as well as all the charges and list everything in an itemised Excel spreadsheet listing
Charge refund
back.
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