What charges? (merged threads)

System

meggiemoo wrote: »

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

Sorry, I didn't post the link! Here it is:

http://forums.moneysavingexpert.com/showthread.html?t=400981

Post 4.

UNDERGROUND

Supergrandma_2

I am with First Direct and I have already claimed using the template letter and adding interest.

I wrote asking for £894.37 including interest as per the template letter. They have written back to say that of the £720.75(?!) I have claimed, only some of it is reclaimable ie there are amounts of £105.00 Recall and Unpaid Item fees, £42.00 Electronic Funds Transfer fees and £173.75 Arrangement and Renewal fees. 'As these fees are specific to services requested by you, they are non-refundable'. Is this correct? Can anyone tell me what 'Charge arrangement and Renewal Fees' are? I have no idea! I have been charged amounts from £17.50 to £56.25 for Arrangement fees and £15.00 and £20.00 for Renewal fees. Also, it seems to me that £21.00 for an interbank payment, which I assume is automatic, is a bit steep, but I realise that they may not apply. If they do, however, I should like to know.

They told me to accept their offer of £325.00 within ten days, which was not possible as I was away when the letter arrived. Can anyone help please?

System

Supergrandma wrote: »

I am with First Direct and I have already claimed using the template letter and adding interest.

I wrote asking for £894.37 including interest as per the template letter. They have written back to say that of the £720.75(?!) I have claimed, only some of it is reclaimable ie there are amounts of £105.00 Recall and Unpaid Item fees, £42.00 Electronic Funds Transfer fees and £173.75 Arrangement and Renewal fees. 'As these fees are specific to services requested by you, they are non-refundable'. Is this correct? Can anyone tell me what 'Charge arrangement and Renewal Fees' are? I have no idea! I have been charged amounts from £17.50 to £56.25 for Arrangement fees and £15.00 and £20.00 for Renewal fees. Also, it seems to me that £21.00 for an interbank payment, which I assume is automatic, is a bit steep, but I realise that they may not apply. If they do, however, I should like to know.

They told me to accept their offer of £325.00 within ten days, which was not possible as I was away when the letter arrived. Can anyone help please?

HI Supergrandma

The bank is quite correct about charges that, as they say, 'are specific to services requested by you'.

Take a look at the help thread, post 4 to see what you can and can't claim - here is the link:

http://forums.moneysavingexpert.com/showthread.html?t=400981

If you don't know what the charges are for or the descriptions are baffling you give them a call and ask them exactly what the charge was for.

Good luck with your claim.....

Regards
UNDERGROUND

Jill_Clarkson_2

Help needed on claiming back bank charges from Lloyds TSB. I have got as far as getting back 6 years statements but as I have had an overdraft with Lloyds for the last few years I want to use the bank charges to pay off the overdraft.

There seems to be so many charges on the statements that I have obtained I am not sure which ones I can lawfully claim back and which ones to ignore please could I have some advice on this?

For example can I claim back excess interest on overdraft charges which is one that seems to keep coming up? There seems to be a standard monthly charge in additon of around £8 or £10 and I am presuming that this is their normal charges and I can't claim that back.

Be very grateful for someone to make things a bit clearer. Thank you

Twinkly

Jill_Clarkson wrote: »

Help needed on claiming back bank charges from Lloyds TSB. I have got as far as getting back 6 years statements but as I have had an overdraft with Lloyds for the last few years I want to use the bank charges to pay off the overdraft.

There seems to be so many charges on the statements that I have obtained I am not sure which ones I can lawfully claim back and which ones to ignore please could I have some advice on this?

For example can I claim back excess interest on overdraft charges which is one that seems to keep coming up? There seems to be a standard monthly charge in additon of around £8 or £10 and I am presuming that this is their normal charges and I can't claim that back.

Be very grateful for someone to make things a bit clearer. Thank you

Thanks to Rex_Mundi for the excerpt from his post below:

List Of Charges We Can Reclaim
The following is a list of Bank charges that we can and cannot claim for. Different banks may have different names for the same type of charge, if you are unsure about a charge, just ask in the board. If anyone has different charges to add, please PM myself or Edinburghlass so we can add them.

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

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.

Different banks may have different names for some charges so anything you arent sure of ask on the forum or check exactly what the charge is for with your bank.

Hope this helps and good luck reclaiming

Alan_the_thicko

As the name suggests, Im not the sharpest knife in the drawer, particulalry when it comes to money. Anyway, I (we) completely understand the process of claiming back our charges, but what exactly are we looking for?
We have 3 HSBC accounts, and have requested and recieved copy statements for 6 years from each.
How do we sort our the wheat from the chaff?? What charges do we start to add up. Please help - because Im a little confused.
thanks

Edinburghlass_2

Post 4 in the Reclaim Help Thread, link in my signature, gives a list of what you can and can't claim, if you don't understand the banks abbreviations please phone them and ask.

Rachyb_3

Can anyone tell me if you can claim for an overdraft usage fee for Lloyds TSB of 25.00??

My friend pays 7.00 a month for a select account but has been charged an additional 25.00

Any help would be great?!

Thanks

janeo1960

ive received my statements from RBS but im confused with the different charges. The one im not sure whether to include or not is the referral charge which varies from £30 to
£90 per month???? Do i add this to my total as well as the unpaid item charges?

lesandflynny

I would say yes, also use the calculator to add up the interest. You can but try.

If RBS defend your case then it will be up to the court to decide.

Good luck

Diane