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
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Re: Those £10 Charges that are withdrawn a month later...
Hi Pigeon,
yes! I successfully claimed these £10 charges, mine read just as you describe, CHG TO 'DATE' A/C ....once a month and they were for going overdrawn. Just waiting for payment now!
Re: Those £10 Charges that are withdrawn a month later...
Cheers stitch!
T4FF - Current account mate, like I said in the first post, they seem to be for going overdrawn on a certain date, with the charge following the month after.
Re: Those £10 Charges that are withdrawn a month later...
Yeah I know you mentioned it first time round. I was querying though because I don't seem to recall ever having these myself nor are they listed on lively's list of charges. This led me to believe your account might be slightly different (ie a student account or summat) or that whilst it LOOKED like it was for overdrafts it was possibly for something else (especially as you called them "regular charges" as an od charge wouldn't be "regular" per se).
I did used to be charged for being overdrawn but it wasn't a tenner! More like 30 quid! Still a bit confused by this charge but if you two are happy it is an overdraft charge then yes, as stitch has already said they are claimable.
Just double checking for your benefit pidg, no harm in that
Perhaps it would be of benefit to the site if someone was to query with the bank what the £10 was for specifically then post it up in lively's post, the bank aren't going to keep this information from you. Any volunteers?
If my post has been useful, tip my scales and let me know
Re: Those £10 Charges that are withdrawn a month later...
hi, just thought I would add....my account is a student account with free overdraft. The £10 charge is only applied when I go over my agreed overdraft limit....usually because of charges.
This happens only few times a year, so its not a regular charge. I claimed it because without the charges for unpaid direct debts etc..I would not have gone over my overdraft limit so would not have had this £10 charge applied.
I included these charges with my recent claim, which was successful!
... sorry if I have caused confusion!!. ....but on my bank statements, this charge is exactly how Pigeon described ie...CHG TO 18DEC A/C - £10.00.
Those £10 Charges that are withdrawn a month later...
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I successfully claimed these £10 charges, mine read just as you describe, CHG TO 'DATE' A/C ....once a month and they were for going overdrawn. Just waiting for payment now!
....but on my bank statements, this charge is exactly how Pigeon described ie...CHG TO 18DEC A/C - £10.00. 