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
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  1. 10th May 2006 19:10 #1
    Dappa44 Dappa44 is offline
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    Default Charges info needed

    I have used the spreadsheet and have calculated that i am owed.

    £3303.81

    +£801.08 at 8% (interest)

    Giving me a Total of

    £4104.89

    I have claimed for 75% of the overdrafticon interest, not all.

    I have read conflicting replies as to what exactly can be claimed back?

    Is this right?

    Unpaid Direct Debits ranging from £25 - £35

    Unpaid Standing Order £30

    Overdraft Usage Fees ranging from £10 - £90 (per month) and the renamed..
    Overdraft Excess Fee ranging as above.

    Overdraft Interest normally range £4 - £8

    Can all of these be asked for.

    Similar Threads:
    Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

    Statements recieved     5th May 2006
    Claiming back     = £3913.65

    Preliminary Letter Sent     5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

    Letter Before Action Sent     9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

    Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

    Acknowledged 15th June (28 days to defence)
    Time up on 13th July.

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  2. 10th May 2006 19:16 #2
    Lueeze
    Guest

    Default Re: Charges info needed

    Well overdrafticon interest, is for the money you used within your overdraft, so only a small % of this will be allocated towards the charges costs.

    What is the 75% OD interest?

    This is a difficult thing to work out, it can be done but takes brains and time! I am not adding htis to my claim as it is impossible to approtion which part of my interest relates to the charges and which part relates to spending...

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  3. 10th May 2006 19:32 #3
    Dappa44 Dappa44 is offline
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    Default Re: Charges info needed

    Thats what i thought i should do m8,

    I will take out all of the overdrafticon interest (it really doesnt bother me to lose that)

    But do the other charges i am claiming for seem ok?

    Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

    Statements recieved     5th May 2006
    Claiming back     = £3913.65

    Preliminary Letter Sent     5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

    Letter Before Action Sent     9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

    Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

    Acknowledged 15th June (28 days to defence)
    Time up on 13th July.

    Defence Recieved 7th July

    Going Before the Judge 15th September

    Court Date 5th December
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  4. 10th May 2006 19:36 #4
    Lueeze
    Guest

    Default Re: Charges info needed

    Yep any charges you can see on there, add! The only ones to watch out for are things like overdrafticon arrangement fee's for instance, as the bank actually did provide a service for that...

    Everything else claim away! Oh and keep the 8% on (just incase you thought i was reffering to that too)

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  5. 10th May 2006 20:00 #5
    Dappa44 Dappa44 is offline
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    Default Re: Charges info needed

    Thx for the help m8

    Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

    Statements recieved     5th May 2006
    Claiming back     = £3913.65

    Preliminary Letter Sent     5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

    Letter Before Action Sent     9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

    Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

    Acknowledged 15th June (28 days to defence)
    Time up on 13th July.

    Defence Recieved 7th July

    Going Before the Judge 15th September

    Court Date 5th December
    Reply With Quote Reply With Quote
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE