What charges? (merged threads)

nervous_2

robert_harper_2000 wrote:

It is only fair you claim back your costs.

What are referral fees?

In my case referral fees are charges for being over my overdraft.
nervous

albomo2704

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.

hi Guys,

stupid ? from a newby money saver!! is card misuse fee the same as "charge for clearing debit card payments whilst overdrawn"?

if so Shabbey owe me 2k!

cheers, and keep on fighting the good fight,

Al

natweststaffmember

Card misuse is a penalty charge

sonee2405

im writing my 2nd letter to capital one to ask for my charges and all my payment protection back which amount to almost £650.im on a payplan dmp at the moment and i remember asking capital one for help when i got into financial difficulties they closed my account and defaulted me-i wasn't able to use the pp. Can i claim or not? also do they credit the account or send a cheque to the customer?

singingsister

My sister who is a student has got herself in a bit of financial difficultly and has been charged £39 twice for 2 bounced direct debits which also has put her overdrawn leaving the bank to charge her for the unauthorised overdraft!

Can she claim the bounced direct debits back? I'm not sure if bounced DD's are "claimable".

Rex_Mundi

singingsister wrote:

Can she claim the bounced direct debits back? I'm not sure if bounced DD's are "claimable".

Yes, she can claim these. See post #4 in THIS THREAD for a list of charges you can reclaim.

robpeter_2

Helllo

Lloyds has sent me all the statements and in addition sent me a list of all the charges on my statements.

My question is - besides the o/draft usage fee which I understand I can reclaim what about o/draft interest which their is a lot of?

Also what about unpaid cheque charge of 27.50 and undpaid D/D fee of 55.00 and o/draft excess fee. Are all these reclaimable and can I apply for interest on all these excessive charges?

thanks
peter

Jackiec09

robpeter wrote:

Helllo

Lloyds has sent me all the statements and in addition sent me a list of all the charges on my statements.

My question is - besides the o/draft usage fee which I understand I can reclaim what about o/draft interest which their is a lot of?

Also what about unpaid cheque charge of 27.50 and undpaid D/D fee of 55.00 and o/draft excess fee. Are all these reclaimable and can I apply for interest on all these excessive charges?

thanks
peter

:hello: Check post #4 in this thread. Hope this clears things up for you and good luck with claiming.

glennyshock

hi all.am new to all this so please be gentle with me.want to claim back my bank charges!on my statements am paying a paid referral fee,can anyone tell me if i can claim this back.currently paying £90/month.

Edinburghlass_2

glennyshock wrote:

hi all.am new to all this so please be gentle with me.want to claim back my bank charges!on my statements am paying a paid referral fee,can anyone tell me if i can claim this back.currently paying £90/month.

Welcome to the forum, you'll find a list of what charges you can claim in this thread...

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