What charges? (merged threads)

Edinburghlass_2

Beate wrote:

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

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julie23_2

Does anyone know if I should claim interest charges as well as things like unpaid cheque charges or overdraft charges? I am just about to send my letter to them but am a bit confused

Edinburghlass_2

Beate wrote:

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

................

youth_leader

Hello, I am very nervous of doing this wrong - my HSBC statements have two DR areas a month - interest, and total charges. When I type my Excel claim list of charges, do I include this interest figure? Read somewhere about this only happens when you go to court?

Thanks, Sharon

Edinburghlass_2

You can't claim the normal interest for going overdrawn. If you have a query regarding what your banks terms are please phone them to check. Read Martin's article regarding the interest you can claim at the court stage.

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Bella198421

I got all the bank statement's back today from the past 6 years-but i am unsure what i am looking for. anyone got any specific text to look for-i have spotted Unauthorised DD Charge-at £20, but what about account fees etc-any help would be appreciated.

cifpower

Returned Cheque
Card Misuse Fee
Unauthorised Overdraft/Overdraft Excess

quite often they are applied at the same point in the month every month

Bella198421

Is Account Fee one? i don't even know what this is for-it's for my parents bank statements and they don't know either.

cifpower

Account Fee could be one. Do they have a "packaged account" - which offers travel insurance etc for a monthly fee? Account Fee could apply to that.

Maintenance Charge is a possible one too. Are none of them listed on the back of the statement? You could always ring the bank if you are really stumped.

jonnymagicpants

Please help,

If i'm being charged £20 for going over my overdraft, do I try and claim back the £20 or do I deduct anything from that amount. Let's say a £2 spend made me go over and thus a £20 charge, do I claim the £20 or take £2 off and claim £18???

Many thanks