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. #1
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    annifridsl04 Novitiate

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    Default Just a quick question...

    I was looking at the template of schedule of charges & was wondering can you claim on charges for unauth'd overdrafticon??

    If so what do i put it in as?? Theres ones for Unpaid Chq, unpaid DD...is it cleared transaction??

    ta anni

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  2. #2
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    annifridsl04 Novitiate

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    Default Re: Just a quick question...

    Also, Im not sure how much I can claim the charges that look like this.

    CHG TO 06JAN A/C XXX £30.00

    sometimes its £10, but it doesnt make sense as both month's Ive been overdrawn...

    gosh Im soooooooooo confused...im not getting anywhere with this.

    please help
    Anni


  3. #3
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    annifridsl04 Novitiate

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    Default Re: Just a quick question...

    I'm going to bed now...im looking at my statements and i havent a clue what to do...its just the ones that are lumped together with the account fee. im not sure what im supposed to put the in the spreadsheet as. I cant tell what they are for as I dont know what my overdrafticon was...i kept changing it at one point trying to pay it off but getting into more debt.


  4. #4
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    annifridsl04 Novitiate

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    Default Re: Just a quick question...

    Can someone merge this with my other thread...I couldnt find it before.

    http://www.consumeractiongroup.co.uk...highlight=anni

    Ta very much.


  5. #5
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    isidore Informative isidore Informative isidore Informative isidore's Avatar

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    Default Re: Just a quick question...

    Hi anni, I've written something up on working out the CHG charges. This should sort you out. Any questions, fire away.

    http://www.consumeractiongroup.co.uk...-you-rbos.html

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

  6. #6
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    annifridsl04 Novitiate

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    Default Re: Just a quick question...

    oh wow...thanks thats brill. i'll be able to get on with it tonight.

    Thanks again
    Anni


  7. #7
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    Default Re: Just a quick question...

    np

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

  8. #8
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    annifridsl04 Novitiate

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    Default Re: Just a quick question...

    Okay last question...I half promise

    With the excel sheet that you filled out. It says in the notes to use the day that the interesticon was debited, but in your post you say the interest period date

    INT to 06MAY A/C xxx £1.39 debited 22MAY

    So do I use they 6th May or 22nd May?

    Anni


  9. #9
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    Default Re: Just a quick question...

    Go with what the spreadsheet says. These guys have written them to work in a certain way. I will correct what I've written.

    Cheers for letting me know

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!


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