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.
I am in the early stages of reading through the site and contemplating instigating the request for repayment of bank charges. However, an incident has occured earlier today with 'my bank' (huh!) that has got me thinking. About 2 years ago I took out a loan with my bank and based on the advice given at the time I was told that if I changed my account to a Royalties Premier acount I would pay smaller interest rates on the loan. Sounded great, no mention of any extra costs or fees, either verbally or in writing so I went for it. I have just incurred a bank charge of £38 for going £15 overdrawn for 3 days and noticed on my statement that there is another charge for £15. I called the bank in a rage (well, not quite) only to be told that I have been charged £15 every month for the Royalties Premier account! Is this a charge that I can also claim for? I hope it is! Any help would be much appreciated.
Unfortunately not. If you are charged a fixed fee per month for a particular kind of account these are legitimate fees for providing a service.
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.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Thanks for the advice. However, I was advised to change to the Royalties Premier account by a member of Bank staff who told me it would give me a lower interest rate on my loan repayments. She did not, either verbally or in writing, explain anything about any charges for this type of account?
Be a tough one to prove though. No doubt its in the small print and all they will say is you have signed the contract and you are now bound by the t's and c's! Sorry!
RBS Royalties Premier Account Charges
rates on the loan. Sounded great, no mention of any extra costs or fees, either verbally or in writing so I went for it. I have just incurred a bank charge of £38 for going £15 overdrawn for 3 days and noticed on my statement that there is another charge for £15. I called the bank in a rage (well, not quite) only to be told that I have been charged £15 every month for the Royalties Premier account! Is this a charge that I can also claim for? I hope it is! Any help would be much appreciated.
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Re: RBS Royalties Premier Account Charges
