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.
Step 1 is complete as I have my bank statements at hand.
Right, I am working my way down the info inside the link you gave me, i'm up to the bit about charges.
"CHARGES YOU CAN CLAIM
You can reclaim charges added to your account for a breach of contract, such a cheque referral, unpaid direct debits. You can't claim for standard business fees for running the account/fee for a particular service."
Here are the charges against my account
1 Charges
2 Payment against uncleared effects charge
3 Miscellaneous charge anticipation of funds
4 Failed cheque charge
Am I right to believe that I can claim back charges #2, #3 and #4 but charge #1 is just the standard charge for running the account?
I have included, failed transaction charge, failed cheque charge, unauthorised overdraft charge and paid item charges the only one I did not include was the charge (its £5.00 on the current accounts - its personal not business) for having the overdraft facility. On our business account (its with Lloyds tsb) included charges for cheques and paying in cash and stuff I would not of included that , only like penalties (for doing transactions that are not normal i.e. bouncing cheques stopping dds and going over the overdraft) does that make sense? sorry if it doesn't
Am I right to believe that I can claim back charges #2, #3 and #4 but charge #1 is just the standard charge for running the account?
As long as the charges are for having a having a business account then nope cant be claimed -if it just says charges and you are not sure what they are for give A&L a quick call.
I have included, failed transaction charge, failed cheque charge, unauthorised overdraft charge and paid item charges the only one I did not include was the charge (its £5.00 on the current accounts - its personal not business) for having the overdraft facility. On our business account (its with Lloyds tsb) included charges for cheques and paying in cash and stuff I would not of included that , only like penalties (for doing transactions that are not normal i.e. bouncing cheques stopping dds and going over the overdraft) does that make sense? sorry if it doesn't
ABloke -v- Alliance & Leicester
and I have looked through them to see what kinds of charges have been made against my account.
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Originally Posted by ABloke
