A basic starting guide

Ryszard

Hello, I am just embarking on trying to claim back bank charges and would like to ask a few basic questions

Regarding claiming back for the last 6 years, does this enable me to claim from January 2001 to January 2007 or does every claim have to claim backwards six years from the date of the claim, i.e. June 2001 - June 2007?

Will I receive all the statements from this period and then have to work out what charges I believe I am able to claim or will the bank send me all the statements with an attached list showing all the fees I am eligible to claim?

Can I claim the following - charges for £32 where the direct debit was not paid due to insufficient money in my account, charges for £20 where the viasa payment was paid even though there was insufficient money in my account and also a charge for going over the overdraft limit,

GarethR

Hi mate, in response to you Q's above:

You can claim from 6 years previous to the date you send the letter, however some people have got away with longer but i would stick to 6.

You will just receive copies of your statements, you will need to go through them all & highlight the charges, then use the calculator set up on this website to add the total up. Its your choice as to whether you claim interest but I did!

You can claim for all those you mention in your post, I just claimed for everything that had the word 'CHARGE' next to it.

If you go to the Bank Charges section at the top of the page it shows you the steps & gives you sample letters

Spikey_2

Hi,On a visit to my local Lloyds/TSB I asked about getting hold of last 6 years of statements....... the guy behind the counter said .... "there is a charge of £10.00 .............. is this correct?

Stephen_Leak

Yes.

Please read Martin’s article and the Reclaim Bank Charges Help thread.

Spikey_2

Thanks...... will do that.

Lorraine_Quinn

Hi,
what should I do if I've got no idea how much I've been unfairly charged obver the last 6 years?

suzieq

Would much appreciate some help here

Have just completed my schedule of charges to send with my prelim letter to Barclays.

Just a couple of points to clarify - I have put down the 'paid referral fees' as 'UNAUTH O/D FEES' - is this ok, or should I just put them down as paid referral fees? I'm not entirely sure what 'paid referral' means.

Another thing, is that I am asked to date the period I am claiming for. Do I go back 6 years from now, or from the date I first sent the SAR?

And finally, should I remove the 8% interest column when sending this with the prelim letter?

Many TIA!

nickmack

Lorraine_Quinn wrote: »

Hi,
what should I do if I've got no idea how much I've been unfairly charged obver the last 6 years?

Please follow the article Martin has written describing the reclaim process. For further useful info, see the teh Reclaim Help thread. The links are in my signature.

LozBingley

suzieq wrote: »

Would much appreciate some help here

Have just completed my schedule of charges to send with my prelim letter to Barclays.

Just a couple of points to clarify - I have put down the 'paid referral fees' as 'UNAUTH O/D FEES' - is this ok, or should I just put them down as paid referral fees? I'm not entirely sure what 'paid referral' means.

Another thing, is that I am asked to date the period I am claiming for. Do I go back 6 years from now, or from the date I first sent the SAR?

And finally, should I remove the 8% interest column when sending this with the prelim letter?

Many TIA!

Paid Referral Fee = They have looked at an item (DD, SO, or cheque) that would take you past your limit and then paid it for you (or not).

Unauthorised Over Draft Fee = The fee they are charging you for going beyond your limit.

Don't think at this stage it matter what you call it but if you want to match your statement it will look better later

You go back 6 years from your SAR

Keep the interest column on as it acts as a bargaining/bartering tool ie if they offer you less then you say 'but what about the interest?'

I found that Barclays offered me 50% after my first letter, which I refused, then 75% 2 weeks later, which I still felt a little low so took it to court.

suzieq

Thanks so much for the reply Loz, it was very helpful - I did try to reply to your PM, but it wouldn't let me. Just so you don't think I'm uber rude!