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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Sorry if this has been done (can't find it) but Cahoot is one of many banks I have recently written to.
I thought it would be useful to compare with other people the amounts that are being charged by the banks. In some cases, the amounts seem to be inconsistent.
Cahoot have been charging me (lately)...
£25 for "Returned Item Charge"
£30 for "unauthorised overdraft fee"
Previously these figures were £20 and £25 respectively, before prices went up (a whopping increase of between 20% and 25% no less).
If anyone has seen any different prices on their statements, it would be useful information in the event of a court case.
...it would be useful information in the event of a court case.
Why?
..
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
It would be useful because, if the banks are charging different amounts to different people, and different amounts for similar items, it would weaken any claim they make that the charges are proportionate to their costs.
For instance, some charge a different amount for a failed standing order than they do for a failed direct debit, even though in both cases the only cost is a computer printout on the statement and the work involved in both cases is exactly the same.
It would certainly be strange if any one bank charged different amounts to individual customers for the same breach - however I think that this is extremely unlikely, to say the least.
..
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Table of charges
fee"
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Originally Posted by monkeybone
