What charges? (merged threads)

24_Gramms

If your overdraft is authorised u shouldn't pay anything right? Unless u mean u went over your authorised over draft.

Farmer61

Hi All, Im a newbie here so apologies if this has been discussed a million times before. I have searched several times to try to answer my question but alas, each search has proven fruitless.
I'm claiming against Lloyds (boo) and have received my statements for the last 6 years but Im unsure what I can claim for. I can obviously claim for O/DRAFT EXCESS Fees but what else can I claim for (If anything). Please help - can I claim for:

ACCOUNT CHARGE
O/DRAFT INTEREST
UNPAID D/D
UNPAID S/O

Dont worry if I can't claim - I just want to dot my T's and cross my I's ;o) before I put my claim in.

Thanks in advance.

Kind Regards,



Farmer 61

Twinkly

The following is a list of what you can and cant claim for, with thanks to the OP.

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.
Normal overdraft interest charges

Some banks may have different names for their charges so query any charge name on your details that you dont understand. Good luck

Twinkly

If it is an authorised the charge may well be a service fee, which you cannot claim. Interest charged on an authorised overdraft cannot be claimed either.

Farmer61

Thanks a lot I guess I can claim for Unpaid DD and Unpaid SO then

Soxx

Does anyone know if it is legal for a company to charge you for not making payments to them via direct debit? As it is, Virgin Media (ntl) is charging me £5 (was £4) a month because I pay my bill (telephone & Broadband) over the counter. They said I will not incur this charge if I agree to pay them via direct debit. If this charge is illegal, how to I get them to pay me back?

cheeky_7

Can you claim back any interest rates. I feel that are are unnecessarily high and im sure many others do.

Is this something you can try to claim back ie. authorised overdraft

Twinkly

It irritates me personally intensely that I must pay it even though I pay by credit card and am also charged for the telephone call to do so ! I refuse to use Direct Debit as trading under NTL they simply could not get it right and I ended up with bank charges. Round and round we go.

In answer to your question though it isnt an illegal charge as it is a service charge. It would be deemed reasonable for any cost involved in processing payments by other methods. If you have a bank that is competant at handling direct debit then switch to that and save the cost.

Twinkly

ahuh mmhmm sure can

Soxx

Thanks for your quick response. I used to pay "ntl" by Direct Debit, but I cancelled it when they dragged their foot in fixing a problem with my broadband, and refused to pay the broadband until they fixed it. As it was, I did not have to pay anything for the duration that the service was not working properly. Since then, I refused to pay by direct debit. I am considering your suggestion, as there appears to be no way out of their charges. Thanks again.