£12 charges

dimp81

Is it worth claiming back £12 charges?

tjdjer

Don't ask, don't get!

carlos1973

google oft 842. section 11.1 is the bit you want, namely the £12 is a temporary measure, just because a charge is at the threshold does not mean it is fair and a court wiil not find as such. In short the charge has to cover their costs and nothing else or it is deemed to be a punitive amount and unenforceable under the UTCCR's. Invite them to court to defend their charges and see their reaction.

natweststaffmember

1.14 I think is the specific one which states

"1.14 It must be stressed that this is a statement of our position and reflects the exercise of our discretion as an enforcement agency. Only a court can decide finally whether a term is unfair, or at what level default charges should be set to meet the requirements of the UTCCRs. It should be kept in mind that other enforcers may apply for injunctions under the UTCCRs and that the UTCCRs may be relied upon by consumers in private claims."