can anyone help me please nat west reclaim

bumblewit

hi all i've just got back my natwest statements for the past 6 years (did the 1st template latter) well i got 150 pages of statements with text on both sides

i've no idea what i am looking for or what i can try and recalim back if anything can anyone please please help me (but please put it in simple terms as i have no idea what i am doing

my example is card missuse pos 9.76 charged £35

intrest £63.82 i had an o/d of £4500
charges £28 these 2 statements have apperead every month for the last 3 years.

are these the things i can claim back or is that the right charge for being so much in my overdraft

thanks all for your help sorry if this thread is long but id rather be clear on what help i need
thanks alot for reading this thread and hopefully your help:A

freedom2b

bumblewit wrote: »

hi all i've just got back my natwest statements for the past 6 years (did the 1st template latter) well i got 150 pages of statements with text on both sides

i've no idea what i am looking for or what i can try and recalim back if anything can anyone please please help me (but please put it in simple terms as i have no idea what i am doing

my example is card missuse pos 9.76 charged £35

intrest £63.82 i had an o/d of £4500
charges £28 these 2 statements have apperead every month for the last 3 years.

are these the things i can claim back or is that the right charge for being so much in my overdraft

thanks all for your help sorry if this thread is long but id rather be clear on what help i need
thanks alot for reading this thread and hopefully your help:A

Tot up all your bank charges for going overdrawn. Highlight them on your statements to help you keep track. Somewhere on the reclaim section on this site there is how to calculate the interest on your charges so sting them for that too!! I`ve done mine now and its simple really just follow Martin to the letter

bumblewit

thanks but if i am right on what you are saying i can not claim back intrest charges on my overdraft eg over draft of £4500 intrest for that month £70.23 that i can not claim back but the charges of £40 i can is this correct
thanks

di3004

bumblewit wrote: »

hi all i've just got back my natwest statements for the past 6 years (did the 1st template latter) well i got 150 pages of statements with text on both sides

i've no idea what i am looking for or what i can try and recalim back if anything can anyone please please help me (but please put it in simple terms as i have no idea what i am doing

my example is card missuse pos 9.76 charged £35

intrest £63.82 i had an o/d of £4500
charges £28 these 2 statements have apperead every month for the last 3 years.

are these the things i can claim back or is that the right charge for being so much in my overdraft

thanks all for your help sorry if this thread is long but id rather be clear on what help i need
thanks alot for reading this thread and hopefully your help:A

Hi there you could copy and paste this on the above reclaiming discussion thread, Turbo is the one for working things like this in regards of PPI, but there is also a claiming bank charges thread in the forums as well where help will be given.;)
Good luck X

(edited) sorry Freedom, missed your post, cheers hun X

bumblewit

sorry put it on wrong thread

freedom2b

bumblewit wrote: »

thanks but if i am right on what you are saying i can not claim back intrest charges on my overdraft eg over draft of £4500 intrest for that month £70.23 that i can not claim back but the charges of £40 i can is this correct
thanks

I don`t think you can claim back your interest charges. But you can calculate the interest they owe you on your bank charges... Your charges for going over your arranged overdraft. You can work out the interest on each charge. Hope this helps:o

barneythedog

Here is a list of what can and cannot be cliamed back in respect of unauthorised charges.

Let me know if you need any further assistance!

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.
Normal overdraft interest charges