What charges? (merged threads)

Rex_Mundi

kalahariuk wrote:

every time I use my Card for ANYTHING including a cashpoint in South Africa, I get charged £1.50. and incredibly every time I order from an international ebay user, or amazon.com I get charged £1.50 per transaction. I don't believe that I was ever told about this, my charges total £112.50 over the last 4 years. is this legal? is it reclaimable? has this question been asked because I cannot find the thread if it has and thus apologize.

You cannot claim back these charges.

kalahariuk

it was worth asking.

bengal-stripe

kalahariuk wrote:

every time I use my Card for ANYTHING including a cashpoint in South Africa, I get charged £1.50.

Oh, ANYTHING for you, means debit cards at cashpoints in South Africa.
Don't you do the prosaic things, like shopping in Tesco?

redchef_2

hi there,i am planning to ask for my bank charges to be re-paid.does anyone know if i can claim for debit interest or not. can i not claim it as this is what i have to pay for an agreed overdraft? or is this a charge i can claim back.

i would appreciate anyones help /advice as to a yes or no...many thanks,paul

Edinburghlass_2

Edinburghlass wrote:

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.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

short answer, no!

redchef_2

many thanks for your prompt reply..fantastic service,,,thanks again.

ellustellus

hi,i have just recieved 2 years of my 6 years natwest statements,i need to add together all of my charges to send them a total that i wish to claim. Do i add them all up,i.e. overdrawn charges,non payment of direct debit charges and referral charges (whatever they are!). also,should i list the charges,what they are,amount and date,or just add them together and send a total? thanks alot for any help! they owe me over £4000!

thanks

Tel

nickmack

ellustellus wrote:

Do i add them all up,i.e. overdrawn charges,non payment of direct debit charges and referral charges (whatever they are!). also,should i list the charges,what they are,amount and date,or just add them together and send a total? thanks alot for any help! they owe me over £4000!

http://forums.moneysavingexpert.com/showpost.html?p=3641436&postcount=4

You need to send a schedule of charges detailing each charge name, date and amount and then a total.

ellustellus

excellent,thanks alot!

Tel

nicola_harcombe

printed the first letter off today but still unsure of what i can claim back:

can someone please tell me what i can claim for from the following if any:

overdraft limit is £5000
overdraft at present £5480.47
charges:
overdraft interest - £54.97
overdraft excess fee - £90.00
account charge - £15.00