can anyone help me natwaest 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

barneythedog

Please find below a comprehensive list of what can and cannot be claimed - hope this helps!!

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

bumblewit

so have i got this right

i can not claim back money for intrest no matter how much it is

but the charges and the card missue i can claim back and add the intrest on that as well

barneythedog

No you cannot claim back the interest charges applied to you account!
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But you can claim back the interest you would have lost had the charges not been applied to your account in the first place. To calculate this you can use the interest calculator which i believe can be found in the free tools section on the main page.

Kind regards

bumblewit

now i am more confussed so where i have been charged any intrest for going into my overdraft i.e overdraft of £4600 and have been charged £73.28 for being £4200 in my overdraft you are saying i can claim back intrest on the £73.28 but not the £73.28

is this correct sorry if i am being really dumb but getting myself all in a muddle here
thanks alot for your help

natweststaffmember

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

£28 is claimable,
£35 is claimable.

barneythedog

Hi Bumble wit!

To clairy your previous question, you can claim interest on any charges applied to your account, in effect this is seen as you having been deprived of the money. the interest you are claiming back is calculated as the interest you would have earned if the money had not been taken from your account! For example if there was a charge placed against your account on 07/01/2005 for £28.00 then the interest you would have earned if the charge had not been applied would be £9.29 if the charge was for £35 on the same day the interest would have been £11.61 !!. I understand this interest can be claimed if your case goes to court. As i mentioned in my previous post i calculated what the potential interest would have been if the claim did go to court and my first letter intimated that they in effect would have to pay this out as well if the claim went further. In effect i wa saying to them " pay the charges back now or you'll end up paying more. If you go to the main page and use the Bank charges calculator, remember to put the date of the charge and the amount and click the "calculate" button, then remeber to add this to the list!

Happy to help as always !!!