What charges? (merged threads)

spyderman

Following Martin's advice on reclaiming bankcharges I have trawled through 6 years of bank statement and discovered that most of my charges relate to the above and show up on the statements as either an overdraft uasage fee or an overdraft excess fee. This is in addition to the interest payment which is shown separately and my monthly agreed account charge.

The conventional letter templates provided on the site refer to unauthorised overdraft charges. Whereas in my case the overdraft was authorised and these charges have been added even though this wasn't exceeded. Has anyone any advice on these circumstances?

holamiga

Spyderman..I hope you get an answer it will answer a post by me earlier today. I never asked for an overdraft in the first place, just kept getting it upped, wonder if by using it this counts as authorised by me.
holamiga

sandiet9

can i claim just the bank charges fees or can i claim the ordinary bank charges i have in excess of £10 - £30

Edinburghlass_2

Please read post 4 in the Reclaim Help Thread link in my signature for what you can and can't claim. If you have any doubts as to what you can claim please phone your bank to check what their abbreviations stand for and/or if they just list totals in your statements.

Moochela

We have just received the list of charges from the Co-op bank and are a little confused as to what we should claim. It is not clear which charges are for what.... Should we claim them all regardless? What are commission charges? Do we claim these? And should we add interest to all of them?

Any advice would be appreciated

Thank you

Stephanie

sunshine_mel

have recently been charged £27 for going over my overdraft with what hsbc are calling an 'informal arrangement' fee - is this one of the unfair charges? am getting myself confused...

Edinburghlass_2

Please see post 4 in the Reclaim Help Thread, link in my signature, for what charges you can claim. If you have any queries regarding what abbreviations your bank uses please phone the bank and ask them.

crkedupmama

Hi there new here and thanks to this site am starting process for claiming charges back from Abbey.

I understand the actual charges I can claim back, but my initial understanding was that I could only claim back charges providing they were less then what was paid out. So if I was charged £30 for paying out a £50 cheque I couldn't claim it.

However, after reading through this forum, I now believe it doesn't matter how much the cheque/direct debit was for as the charge is unfair in the fact it does not cost that much to process it.

So am I right I can claim for direct debit/cheques that were over the charge amount?

Thanks alot!

ACID

hi my bank accoutn doesnt seem to have an unfair charges on there at all

however i do have two credit cards

one which i just tore up and im certain i have closed (it was still in date when i ripped it up)

but the card was a cc and i was recvign high interest charges on there

also my current credit card
also has high interest charges on there?

can i claim bank these charges

if not just say a quick response with a yes or no..

easier to know that way..

many thnaks for reading..

nickmack

ACID wrote:

if not just say a quick response with a yes or no..

....No....