What charges? (merged threads)

debt_collector

Having calculated my paid refferal fees/unauthorised overdraft fees using Martins calculator, without interest BARCLAYS owe me £1150. With interest £1355.92, great!! However, a question has arisen which Im sure the answer will be on this forum somewhere: I have loads of INTEREST CHARGED amounts on my statements, from pittance to pounds. It doesnt actually state what INTEREST CHARGES they are. Can I claim these INTEREST CHARGED amounts back?? Thank You

Edinburghlass_2

They will be interest charges for going overdrawn which you can't claim.

debt_collector

Shame. Got loads and they amount up too!

gizmo111

challiday wrote:

Hopefully someone can help me. I'm in the process of claiming unlawful
bank charges.

I was charged a £35 arrangement fee to increase my overdraft sometime
back. Can i claim this ?

Thanks in advance for any help

No sorry this is a service charge and not a penalty.

January20

I am in the process of reclaiming my bank charges for an account I closed at the beginning of 2006.

Going through the statements I requested from the bank, I quickly realised I was going to have a large amount of charges to claim back. I just can't believe how much I have been charge over those 6 years! it's a lot more than I've seen on any of the posts I've read on this board.

Has anybody reclaimed a very large amount before and what happened? I keep looking at my calculations (have done them 3 times lol) and think that it's such a huge amount the bank will never pay it back!!

Also, I am reclaiming all my unpaid DD, SO and unauth O/D but can I reclaim "cleared transaction" when the bank has charged me for honouring a payment when I was over my O/D limit. (These charges range from £10 in 2001 to £30 in 2005)

gizmo111

What are you calling a large amount? largest I have seen is £19k

January20

19k - Wow!

Well I'm not reclaiming such a large amount - about 4K. The most I'd seen was about 2.5k

kizzi101

Hi, I have taken the first step in recaliming the bank charges by writing to my bank HSBC for statements, to which they have replyed returning my £10, and said they will arrive in batch's. But could i just clarify, i am to add up all the charges applied by the back, but am i to also add up the interest charged by them for using my overdraft, its unclear in the statements as it just says Charges, and they are strange amounts so i cant work out whether they are a standard charge or an interest amount. Ive asked HSBC and they said they only hold records in the shape of statements and cant break down the charges. HELP!

Beate

No you can't reclaim interest charged for using your overdraft, that's a legitimate charge.

Check post #4 of this thread to find out what you CAN claim back:
http://forums.moneysavingexpert.com/showthread.html?t=304064

MiniReilly_2

Hello,

I have been totaling up fees and charges and would just like it clarified what i can claim.

Can I claim the charge for going into my overdraft?

Can I claim monthly interest for going into my overdraft?

Please help so that i can move on to the next stage.

Thanx :j