newbie needing bit of guidance - thanks!!

rachelstephens

hi everyone

have just signed up - what a great website!!

i am looking into reclaiming some dosh from various banks but have a couple of queries before i do the template letters etc.

1. i am assuming that i can't claim debit interest which was charged when i went over the overdraft limit etc. is it right that i can only claim the fees etc they whack on?

2. in an old HSBC account i was charged £12 for going about £600 over my overdraft limit (tho i rectified the situation pretty quickly). is this reasonable?

3. an old credit card account shows that i was charged 3 x £10 for late payment - do you reckon i will get this back or will it be considered "reasonable"

AND FINALLY!!!

4. does anyone have any experience of Smile closing accounts if you lobby for repayment. we only have a total of couple of hundred quid paid out (at most) but all of our banking is now done with smile so am not sure if i should claim if they are going to play nasty.

thanks for any replies, really appreciate any help people can give me - i'm in need of sorting my finances out and this is one way to start!

cheers, rachelx

rachelstephens

hi, if anyone can answer my queries or point me in the right direction of a thread on here which might answer them that would be great (i have tried to search for the answers but without success)

i have got some statements from smile off the computer and i see that they charge a £15 service charge (which they describe in their terms as a "management fee" if you go over the limit. do you think this is claimable, seems unfair to me seeing as they don't even write to me to tell me i am over the limit or even send an email!

really hoping someone can help! cheers x

byrd39

Hi Rachel

I have taken on both HSBC and Yorkshire Bank over unfair charges and won both times in the last 4 weeks. I was being charged between £25 and £100 every time I went over my overdraft limit. I sent the first letter with a list of charges and dates attached and was offered 95% of my request within 2 weeks. With the Yorkshire Bank it was three days and the money was in my account without even agreeing to it! Neither of these banks closed my account. Hope this helps a bit

rachelstephens

well done!

i am hoping to get my letter off to HSBC today, after watching last night's programme might only be able to claim for the £72 charge and not the £12 they charged me once but its better than nothing and will really help if i can get it back soon (i can't even afford a new pair of glasses a the minute and mine are knackered!)

cheers for your reply, rachelx