What charges you can claim

katierose

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
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

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.
Normal overdraft interest charges

BURGH_LASS

katierose wrote: »

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
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

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.
Normal overdraft interest charges

What is the difference between normal overdraft interest charges and unauthorised, how do i tell the difference?

BARGAINADDICT_4

No

Just found a list from the bank which explains some of these charges, but i still dont know if they can be claimed for.
They are;
Account maintenance charge/fixed fee - £5.75
other automated debits
cheques & other debits
manual credits
cheques paid in branches
cash paid in at branches
TOTAL = £24.28

To be charged on 28/2/07, the funny thing is when I went through the statements recieved today to double check this, the ammount shown as charges on the 28/2/07 was £40.00
Just rescued more old bank letters from the fireplace & it would seem there should be 2 charges for that date the £24.28 mentioned above & £40 made up of £12 Advantage gold subscription & £28 unauthorised borrowing fee.

Think I will be getting o/h to switch bank to one that doesnt have so many extra charges, any recommendations?

gerty_2

Hi,

I just had my 6 years of statements through from barclays this morning.

I wanted to check what charges I can claim. On the statements I've found charges like this:-

UNAUTH O/D FEE £20

and

UNPAIDS OUT
1 @ £25

I guess I can claim these back. Are there any others I should be looking for?

Thx folks

gerty

SoB_3

Hi All, I'm new to this site and concept so please excuse my ignorance. I have a business current account with HSBC and have recently taken the first step to reclaiming unlawful bank charges by requesting statements for the last 6 years. The charges appear on the statements as one total, and my understanding is that these include lawful service charges, ie, for payments and withdrawals and unlawful charges for going overdrawn, etc. Can anybody please offer advice on how I can find out or calculate the lawful/unlawful charges to help me to proceed to the next stage of recovery?
Many thanks,
SoB

lucyc55

Hi,

Just opened my bank statement this morning and seen a charge for "Charge for clearing VISA payment while overdrawn". I'm sure I haven't been over drawn for a start, but anyway ... I've had a look at the list of things you can / can't claim for, but counldn't see this on there. Can anyone pls tell me whether I can claim for this?

Thanks in advance.

Andy_B_9

I have had the second reply from re default charges, they stated ' This does not apply to you as the charges incurred were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you havn't broken your agreement. They are our prices for the service we provide in these situations.'
Can anyone advise if this is another ploy from the banks to 'fob' us off or is it worth it carrying on???

Leebcoward

Did you arrange to pay a fee to go over your overdraft limit?

kazmeister

Hi,

New to the board after many months of viewing.

I am terribly scatty and over the years with various credit cards and studio cards etc have missed several payments (usually catching up about 3 months later). The idea was when I received a bill I put it in my bag to deal with - only managing to deal with them when my bag became to heavy to carry!

Thankfully now with the help of my other half I am dealing with everything (ok well he is - oops) and have started the process for reclaiming bank account fees of around £750 (he was surprised it wasnt more over the 6 years!)

Would like to start on the credit cards etc but need to know if I can claim for missed payment charges (although I caught up eventually with the payments). Have tried to search the forum but cant find anything specific to that.

Any help would be appreciated.

Cheers
Kazmeister

Leebcoward

Yes you can...try looking here>>> http://forums.moneysavingexpert.com/showthread.html?t=305961