What charges? (merged threads)

pops5

Hi I'm glad you got your money back. Lloyds are a nightmare. Did you claim for interest too? What about the interest they charged you? It amounts to a lot of money but I'm not sure I can claim back for o/draft interest and service charges. Is that right? Thanks

pops5

hi! what about service charges? My sister was at uni so she should not have had to pay for her account....

Edinburghlass_2

Please read this thread regarding what charges you can claim for. You can't claim for interest charged.

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

Argyll_2

Hi

I want to know if i can claim back the interest charges too for being overdrawn or is it just the actual charge itself for being overdrawn?

Thanks in advance.

Edinburghlass_2

Edinburghlass wrote:

Please read this thread regarding what charges you can claim for. You can't claim for interest charged.

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

..............

natweststaffmember

donaltramp- wasn't on yesterday due to glitches and busy on another site this evening but I would say the charges is claimable.

albomo2704

hi,

I am about to start the ball rolling with SH Abbey for reclaiming bank charges, the 1st letter askes for charges related to direct debits, standing orders and overdraft charges.....but can i also claim for charges made for clearing debit card payments whilst overdrawn, as these are £30 per time?

any help or advice would be gratefully recieved,

ttfn

Al

Edinburghlass_2

Check out the link above for a list of charges that can be claimed

tasty_snacks

ok, so i know what i can and can't claim for, but why?

i appreciate that charges such as interest on overdrafts are fair game, but what about cash withdrawals abroad? it cost me over £70 in charges to withdraw cash whilst i was in se asia. how is £10 per transaction justifiable? and are charges for withdrawing cash from other banks' atms nothing other than disloyalty 'penalties?'

nervous_2

hullabaloo wrote:

Hope the OP doesn't mind but here is the definitive answer to my question for anyone else:

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.

Crumbs, I haven't claimed for half of that. I only added up my referral fees and fees that i felt was slipped in. i didn't claim for exceeding authorised o/d and unauthorised o/d and the others relating to the overdraft. I never was much good at maths. Blast.
nervous