If you have a 0% balance transfer on your credit card. Never use that card for purchases.
Most of the offers will use any repayments made to pay off the 0% part first so your purchases will never be paid off until your 0% balance has reached zero.

              Excessive Charges & Fees

What is an excessive charge? It can be any unreasonable charge but what is reasonable to the person charging it may seem very unreasonable to the person being required to pay it.

In the case of the financial industry there are laws that require that additional charges should be commensurate with the additional costs incurred. What this means is that if a company has to send you a letter pointing out that you have gone overdrawn then they are allowed to charge you their costs for doing so but not to charge you no more than their costs caused through your going overdrawn, and for them deciding to take action and having to write that letter.

Few people doubt that these decisions are automatically done by computer these days. The letters are automatically produced and posted and it may well be that not one single person in the bank is even aware that the letter has been sent out. So what would a reasonable cost be for that? £1.00 would seem to be more than enough yet the banks charge anything up to £35.00

That sounds very unreasonable to me and may well be unlawful.
Next Page...>Unfair Bank Charges