Quote:
Originally Posted by Shaun
It is intended - even if they know they're not going to win it'll weed out some of the claims as some customers will threaten court but not go through. Instant savings for the beancounters!
It does matter - if you're not reasonable and fair in your dealings with them it'll not go in your favor when you get to court.
This is what some banks apply under the guise of a "card misuse fee" when you use your card to either spend money via switch or guarantee cheques when you don't have the money.
Not all card transactions that will take you overdrawn are declined.  |
yeah I know someone who had a switch and it allowed him to spend money he didnt have strange, my visa certianly doesnt allow it and payment would be declined and thats the end of the matter.
cheque garuantuee is a diff kettle of fish, and that is irresponsible writing cheques you know wouldnt clear but the bank has to approve them due to the garuantuee.
I think the evil here is direct debits, they are automated, fixed dates and apply a fee regardless if they clear or not when insufficent funds are available, standing orders the same.
From what I understand with the birmingham case is the guy followed correct procedure right up to the court day. ie. he was reasonable and fair and used correct letter templates it was his court preperation that let him down such as not having his original t&c's with him as evidence.
---------- Post added at 04:12 ---------- Previous post was at 04:10 ----------
Quote:
Originally Posted by Xaccers
By taking over I just mean I'll print out the letters as per the process and get her to sign them rather than ad-hoc correspondance.
Interstingly, about 9 months ago HSBC sent her a letter saying that they no longer charged pentalty fees but £25 admin fees for increasing your overdraft to cover the outgoings.
£25 per increase. However where someone had a £100 overdraft, if they had a bill etc come out taking it to £150, they were charged £25 for the extention of the overdraft, but the overdraft remained at £100, so if monies were put into the account to bring the overdraft back into the £100 limit, then something else came out, another charge would be applied.
Also, the charging for a few quid over the limit didn't start until September, when it suddenly started and became quite heavy, with charges taking the account over the overdraft limit, and further charges because of that.
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What about if payments bounced whats the new fee for that called? I assume there would be such a fee.