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. 15th February 2007 22:26 #1
    ODball ODball is offline
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    Default Unauthorised Overdrafts

    Hello all

    I have an agreed overdrafticon facility with my bank (HSBCicon) and when I use this facility I pay interest and have no problem with this, however I have on occasions gone over my agreed facility and am being charged £75.00 on each occasion that this happens even if it's only for a day. The bank have sent out notices advising their charges.
    Recently the bank refused to honour one of my cheques because I had gone over my agreed ovedraft limit and also charged me £25.00 "unpaid item" for this.

    As I have an overdraft facility agreement with the bank can I still claim back these lump sums, unpaid item charges and excess interest.


    Thanks

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  2. 16th February 2007 04:21 #2
    happyolddog happyolddog is offline
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    Default Re: Unauthorised Overdrafts

    Hi ODBall,
    I would say so, these charges are not a true reflection of what it costs the bank and are therefore unlawful.
    http://www.consumeractiongroup.co.uk/forum/hsbc-bank/
    Follow the above link, scroll to the bottom of the page. Thread starter, There you can start a thread.

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  3. 16th February 2007 08:47 #3
    hellhasnofury hellhasnofury is offline
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    Default Re: Unauthorised Overdrafts

    Hello and welcome. The information on the site is mindblowing but we are all here to help you win your claim. Start by posting a thread in your own bank site. If you continue in the welcome to the forum thread your posts will get overlooked, but if you post on your own bank site you will be helped by people who have been through it and won or are going through it. Eventually you will be able to help.

    This is how it may look on your bank statement Did you pay a service fee for your overdrafticon. If you did you cannot claim for that but if you went overdrawn they would charge you that fee plus an unarranged borrowing fee, add them together eg £12 service fee +£28 unarranged borrowing fee and you would see £40 on your statement. You can claim for the £28.

    Please look at this With regards to the Service fees, these are not reclaimable as they are service fees which you will have agreed to. Be careful when calculating these fees as they may be included in end of month fees, have a look at this thread for help.

    Advantage Gold and Unarranged Borrowing- A guide

    Hope this helps.

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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  4. 16th February 2007 18:38 #4
    ODball ODball is offline
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    Default Re: Unauthorised Overdrafts

    Hi

    Just picked up your replies. Thanks for the info. I will read up on all you suggest and post a new threadicon on the bank site.

    They will be hearing from me!

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