Really basic question about bank charges

Seaxwyn · 17 January 2007 at 7:17PM

Hello all

Today I got a proper look at my OH's bank statement for the first time. Among the interesting revelations is that he is charged 35p for a direct debit, 25p for a Maestro payment and 20p to receive a credit. These are standard charges - the account isn't even overdrawn.

Can he reclaim these kind of charges? Or just the charges for being overdrawn past his limit?

Thanks for your advice.

CLAPTON · 17 January 2007 at 7:57PM

what sort of account does he have ?

Seaxwyn · 17 January 2007 at 8:00PM

It's a business account with HSBC. He doesn't actually have a business, he's a freelance worker.

CLAPTON · 17 January 2007 at 8:09PM

i really dont know about business a/c but they are not normally free so i would think these charges are normal and so would not be reclaimable

why doesn't he use any ordinary personal a/c?

Seaxwyn · 17 January 2007 at 8:31PM

HI Clapton

Thanks for the reply, I think you are right. As for why he has this account, well it's just part of a huge denial on his part. However he has recently opened a basic bank account so I am going to make him transfer all the payments across and stop using this expensive one.

Thanks again.