What charges? (merged threads)

Flipped27

sorry to ask again but my OH wants to go ahead and claim for these and i would like to be sure that we can!

We are confused....Can we claim for a temporary overdraft limit fee for increasing our limit temporarily for a month?

Thanks for any help

Edinburghlass_2

I'd say no... as its a fee rather than a penalty charge?

Flipped27

Thats what i thought. As i called them to arrange to extend my overdraft for a month and agreed to pay £20 for it, i don't think we can claim it back but my OH thinks we can and has added them to our total.
Also do we add interest on the first letter asking for a refund of charges?

Thanks for your help

Edinburghlass_2

They will check the charges when/if they make an offer and will take any off that are wrong. Its worth adding the interest in the first letter although if you get an offer it won't include this.

stevebrid

my son spent last year travelling after finishing uni and working for a year to finance his trip. he withdrew money from cashpoints in small amounts so as not to be a target for muggers.he did get mugged, but it was by HSBC, his charges for the year amounted to approx £500.can anyone tell me if this is the norm. many thanks stevebrid

Edinburghlass_2

If you are asking if he can claim back charges for using ATM's abroad and the resultant foreign currency charges then the answer if no. Neither can you claim back charges for using ATM's in the UK.

Jamesie_3

Hi all,
I just calculated what Iam due but also included overdraft interest fee, can I reclaim this. Its only small amounts but totals to quite a large amount indeed!!!!
Check this out - Lloyds TSB unpaid direct debit, £70.
All they need now is a mask and a striped jumper!!!!

Jamesie

Edinburghlass_2

No you can't claim back interest for going overdrawn so you need to take them off now! Read Martin's article, link in signature, and read the Reclaim Help Thread also in my signature post 4 for what you can and can't claim.

As you are in Scotland have a read of this website too although it will be a while before you need worry about going to court.

http://www.govanlc.com/jurisdiction.htm

stokie1863_2

can someone help ive been going through my girlfriends statements and ive found shes got charges for £20 and £25 from 2003 can i claim them back as well or is it just the £30 and £35 charges i can claim

cheers chris

king100

If they are charges related to dd, over overdraft facility then yes you can. If its for a service like advantage gold from Natwest then no.

You can go back 6 years.