Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
    Basic Account Holder chrisborge Novitiate



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    Default mr cb

    hi, i have been mulling over reclaiming my bank charges from rbos for about a week now,think i have read enough literature on the matter, have got duplicate copies of my last 6 yearsicon statements and totalled the ammount paid by myself to be 585.however, i have recently read on the CAGicon front page that oft has ruled that unfair charges are charges over 12. does this mean i can only claim for charges over this ammount ?can anyone advise.


  2. #2
    Classic Account Holder
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    Default Re: mr cb

    No the 12 was mooted as a point where the oft might intervene not as a limit. 12 is still too high (imo)

    most charges by banks are *way* over this figure anyway.

    Claim them all apart from "service charges" ie if you have a special account like royalties etc

    BTW you can't reclaim the interest banks have charged you (well you can claim a portion of it but it is very hard to seperate it out)

    they are allowed to make some money

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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