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  • Letters For Bank Charges and Credit Card Charges

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    Truth seeker
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    If you know that your bank is going to take charges in any given month and this will leave you financially at a loss,here is a template that you can use, each month if you have to, at least 7 days prior to any funds hitting your account, a sort of statute fight back to protect your money!! There is a process called the "Right of Appropriation" - this allows you to assign funds entering your account to specific events and needs. This is for ANY funds, not just benefits... Some banks do not understand this process since it is not very often used. You might need to explain it when handing in the letter. Also, whilst we can try this, there are 2 possible problems; 1) Ideally, you should give the bank 7 days notice. If they are aware, they could disregard the request you make. 2) They may just disregard it anyway and swallow up the money. You would then have to complain and involve the banking Ombudsman etc and, eventually, get it resolved. This could take a few weeks and would not solve the immediate problem unfortunately for you. Send to your bank manager for them to action the request. ************************* ************************* ****************

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    Letters for Bank charges and Credit Card charges

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    © Attribution Non-Commercial (BY-NC)

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    If you know that your bank is going to take charges in any given month and this will leave you financially at a loss,here is a template that you can use, each month if you have to, at least 7 days prior to any funds hitting your account, a sort of statute fight back to protect your money!! There is a process called the "Right of Appropriation" - this allows you to assign funds entering your account to specific events and needs. This is for ANY funds, not just benefits... Some banks do not understand this process since it is not very often used. You might need to explain it when handing in the letter. Also, whilst we can try this, there are 2 possible problems; 1) Ideally, you should give the bank 7 days notice. If they are aware, they could disregard the request you make. 2) They may just disregard it anyway and swallow up the money. You would then have to complain and involve the banking Ombudsman etc and, eventually, get it resolved. This could take a few weeks and would not solve the immediate problem unfortunately for you. Send to your bank manager for them to action the request. ************************* ************************* ****************

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Scarica in formato TXT, PDF, TXT o leggi online su Scribd
    Segnala contenuti inappropriati
    139 visualizzazioni2 pagine

    Letters For Bank Charges and Credit Card Charges

    Caricato da

    Truth seeker
    If you know that your bank is going to take charges in any given month and this will leave you financially at a loss,here is a template that you can use, each month if you have to, at least 7 days prior to any funds hitting your account, a sort of statute fight back to protect your money!! There is a process called the "Right of Appropriation" - this allows you to assign funds entering your account to specific events and needs. This is for ANY funds, not just benefits... Some banks do not understand this process since it is not very often used. You might need to explain it when handing in the letter. Also, whilst we can try this, there are 2 possible problems; 1) Ideally, you should give the bank 7 days notice. If they are aware, they could disregard the request you make. 2) They may just disregard it anyway and swallow up the money. You would then have to complain and involve the banking Ombudsman etc and, eventually, get it resolved. This could take a few weeks and would not solve the immediate problem unfortunately for you. Send to your bank manager for them to action the request. ************************* ************************* ****************

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Scarica in formato TXT, PDF, TXT o leggi online su Scribd
    Segnala contenuti inappropriati
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    Name. Address Banks name & Address Date Acc.

    No: RIGHT OF APPROPRIATION

    Dear Sir/Madam,

    I am writing to inform you that I am due to have a Tax Credit payment ( or wage payment )of xx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes; Rent xx Utilities bills xx Housekeeping money xx Add any other bills you have to pay. I will withdraw the money on the day that it is deposited for the above use, and I would be grateful if you would ensure that any other payments out of my accou nt do not interfere with this withdrawal. I thankyou for your understanding and diligence on this matter. Yours faithfully, [signature] [print name] ................................................................................ .......................................................................... Your name your address

    their address [DATE]

    LETTER BEFORE ACTION Dear Sir/Madam, CARD/ACCOUNT NUMBER: xxxxxxxxx I now understand that the regime of fees which you have been applying to my acco unt in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that y ou would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had alwa ys reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken XXXXX plus XXX which you have charged me in intere st for the sums which you have taken. Total XXXXX {Additionally, you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you, or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. In addition to full payment of the sum mentioned above, I require that you remov e the default entry from the register. Please note that mere correction or amend ment to the entry will not be acceptable.} only leave this if it applies to you. I require repayment in full of this money{ and removal of the default notice.} I f you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice. Yours faithfully, [signature]

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