the interest rates on current and savings accounts, many consumers see the levels of the bank charges as an additional means of revenue generation by the banks through excessive penalization of consumers beyond the actual costs involved. "The law says if someone breaches their contract, for example you go over your overdraft without permission, the bank is only entitled to recover its actual loss," Mike Dailly, Principal Solicitor at the Govan Law Centre told BBC Money Box, "If you get an automated letter from your bank for going over your limit, that costs about 50p. So why should someone get a ú36 letter for that transaction?". In a previous press release, the OFT stated that it, ôconsiders that, in a consumer contract, a default charge is likely to be disproportionately high if it is more than a genuine pre-estimate of the damages that the card issuer would win in court if it sued the cardholder for breach of contract.ö A representative of the British Banker's Association told the BBC that the banks were not charging customers more than the actual cost, citing that the charges were to cover additional costs incurred due to a need for human intervention, ôto extract the item from the day's work, to research the customer's recent credit profile, and then a managerial decision as to whether to return the unpaid item.ö The Glasgow based Law firm states that, ôThe legality of bank charges has yet to be ruled on by a senior UK court but these will not be enforced if they are found to be 'penalty' or 'unfair' charges.ö Until a final ruling is made by the courts, they have drawn up a letter citing both Scottish and English case law along with the regulations which apply throughout the UK to help customers get their charges refunded. Disclaimer: All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986. You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts. Useful resources: Credit card rate comparisons ( http://www.moneynet.co.uk/credit-card/index.shtml ) Current and savings account interest rate cuts further information ( http://news.ft.com/cms/s/faed1a82-8e9c-11da-b752-0000779e2340.html ) Title: Excessive Credit Card Debt Solutions Word Count: 547 Summary: Do you have excessive credit card debt? Here are a few solutions. Keywords: excessive credit card debt, credit card debt, money Article Body: Of
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Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gerald Elliot Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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