What charges? (merged threads)

frugallass

I am with First Direct and have just gone through the last 6 years worth of statements, here are the charges, can I claim for them both?

1. Overdraft Fee - charged every time I use my overdraft
2. Excess Overdraft Fee - charged whenever I go over the overdraft limit

Thanks in advance

donaldtramp

Natweststaffmember,

donaldtramp- is it a service fee for additional service or just for going over an overdraft, it the latter then it is claimable.

The only thing that the statements say is that the £8.50 I was charged was an
"Account Maintenance Charge"

Each letter says,

Charges for the period(insert whichever month)are as follows:-

Account maintenance charge £8.50

Total charge £8.50

The above charge will be debited to your account no XXX on XXX

I received no service whatsoever for this charge it was just applied to my account when I was overdrawn over my limit. I reckon I should claim for these as well, What do you think??

As always, any advice greatly received
Cheers
DT

magic1976

I have received my bank statements and everytime i went into overdraft ive been charged a service charge? the amount varies to how far into my overdraft i went.....anyone know if i can claim these back?? sorry if its a daft question i aint too clued up on this !!!

Edinburghlass_2

Have a look through these previous posts or check out the thread pertinant to your bank as to what they term as a service charge.

List of charges in this thread.

http://forums.moneysavingexpert.com/showthread.html?t=304064

magic1976

thanks from this it looks like i cant claim back the service charges then )-:

magic1976

on a happier note i have added up just over£1000 in irregular fees and returned direct debits since 2000 so will attempt in claiming these back, thanks for the help

pops5

On my statement I have "unauthorised borrowing fee," " Overdraft usage fee," "overdraft interest fee," "overdraft excess fee," and "service charge." What can I claim back for?! I think I can't include the interest one but not sure about the others.

flashtwinkle

Is It Any Of The Charges I Can Claim Back Or Certain Ones. I Am Affraid I Dont Know Much About This But My Bank Charge Me All The Time For Being Over Drwn And Bounced Cheques. I Would Like To Know What I Claim For And What I Cant So I Can Make A Start. Thnks

nickmack

FLASHTWINKLE wrote:

Is It Any Of The Charges I Can Claim Back Or Certain Ones. I Am Affraid I Dont Know Much About This But My Bank Charge Me All The Time For Being Over Drwn And Bounced Cheques. I Would Like To Know What I Claim For And What I Cant So I Can Make A Start. Thnks

http://forums.moneysavingexpert.com/showthread.html?t=304064

flashtwinkle

wow i could be rich again. i will start th process now. deos it take long? and is it easy enough? i will start by geting my staemants and highlighting my charges and see where i get