Please help, what are these charges for?

angelcake

Hi, I have a smilemore account, I wondered where my money was disappearing so checked it out and found this below on the statement. Please can someone tell me what these charges are and how they can get away with it.
26/04/2006 COMMISSION. £25.00
21/04/2006 SERVICE CHARGE £15.00
21/04/2006DAILY EXCESS CHARG £5.00
21/04/2006DEBIT INTEREST £1.66

lynzpower

It looks like youve gone over your agreed overdraft charge the month before?

Dont worry you can claim these back https://www.bankactiongroup.com/forum

CLAPTON

gosh they really do pile it on..just looked that their website
£25 for bouncing cheque/going over the overdraft limit
plus monthly charge for being overdrawn of £15 plus daily charge of £5 plus interest of course.

i would phone them and see if you can talk them out of the charges..i'm sure you have a good reason why you went just slightly over before using the formal claims route.


also and off topic i'm sure, why are you using the smilemore a/c as it has a £7.5 monthly charge ...do you make use of the benefits?

angelcake

thanks


no I don't I just wanna close it but am overdrawn up to the limit!

I haven't gone over the limit so should be charged??

also I have an account with lloyds who have just charged me £302 for being overdrawn and bounced cheques etc...I know this is my fault but I have enough money in the account til they take their charges and pushes me back down! is there anythingI can do? I have been on the phone to them but it did no good...al they did was offer me a staggered overdraft!

lynzpower

Yes, you can claim the money back from excess charges. Check the link I gave you above for full details. Otherwise, just give them a ring to find out if they will refund you.

angelcake

just read through the FAQ's on that website! pretty hard stuff! gotta be gutsy to persue it that way!

moozie_2

Just give them a ring and ask them to explain why you have been charged in this way. It could be an error. If it isn't, appeal to their goodwill for a refund.

It could be simpler than going through the bank action group method