What charges? (merged threads)

scottish_blend

hullabaloo wrote: »

CAN BE CLAIMED

Late payment fee (credit cards, store cards, catalogues etc)

oooooooooooooo - I didn't know this, and I have claimed back bank charges!! Looks like another wee couple of letters could be winging their way to my credit card folks!!! - cheers :T :T :T

HOLISTICS

I am very confused can anyone help me ? I have received my last 6 years bank statement from the natwest bank for 2 accounts.We have been overdrawn on and off during these years. Im not sure how to work out what charges i should be reclaiming back. I have paid referral fee charges,cheque return fees,and unpaid direct debit fee charges which ones do i claim back any help would be very much appreciated julie

katierose

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

Britgirlrnr

They are certainly still charging excessive amounts now. Just got a charge of £38 yet again when I logged on to internet banking.

Royal Bank of Scotland also charges a referral charge does anyone know if this is included in the reclaimable charges? It is used when your outgoings are more than your incomings over a period of a month.

MrsBartolozzi

The referral charge goes through when the bank has chosen to pay something - DD, cheque, POS etc even though you are overdrawn, or by paying it you will go overdrawn.
I have reclaimed these charges alongside the usual charges, and I think that many others have too - see the RBS thread (sorry would have added a link but am new to this thing - just do a search on this forum).
Anyway hope that helps.

Handed letter into bank on Monday - can't wait for the 14 day deadline.

System

HOLISTICS wrote: »

I am very confused can anyone help me ? I have received my last 6 years bank statement from the natwest bank for 2 accounts.We have been overdrawn on and off during these years. Im not sure how to work out what charges i should be reclaiming back. I have paid referral fee charges,cheque return fees,and unpaid direct debit fee charges which ones do i claim back any help would be very much appreciated julie

Hi

I have successfully claimed against NatWest.

You can claim back all the charges you have mentioned. You can also claim the unauthourised overdraft fee that NatWest charge which is simply shown as: 'CHARGES/DATE/ACCOUNT NO.' on your statement, the current rate is £28. Be aware though that if you have an Advantage Gold account they add the AdGold fee to the unauth o/d fee, so you MUST subtract the AdGold fee as this can't be claimed.

If you would like any more help with NatWest, just let me know.

Regards
UNDERGROUND

meggiemoo_3

Hi,

I am just wondering what i can actually claim back and how will it be described/ worded on my statements?

Thanks a lot xxxxxx

Marc_T

Hi,

Sorry for butting in on ur thread Meggiemoo, but I also would like to know as I have my statements and want to know if I can reclaim for the charges given for a bounced cheque/standing order/direct debit as well as unarranged borrowing charges?

Help would be much appreciated

Regards

Marc :cool:

System

Hi

Please click the following link to the help thread and look at post 4.

If something on your statement is not described simply (i.e. returned direct debit) and you don't understand what it is you should phone the bank and ask them.

Regards
UNDERGROUND

meggiemoo_3

Underground - Sorry to sound thick but, what do you mean when you say following link? Where is the link?

I remember seeing a list of how the charges are described and what we can claim back but, i cant find them anywhere.

Thanks a lot