What charges you can claim

kazmeister

"You can see why I get in a muddle"


See what I mean, now I've posted responses in the wrong thread

nickmack

kazmeister wrote: »

Nickmack : Late or never - the same thing ?

As far as the credit card company are concerned, you didn't pay on time. Whether you pay one day later or one month later or never, they still charge you a Late Payment Fee.

Edinburghlass_2

jonb1kenobi wrote: »

Hi guys, just starting out claiming against Lloyds Tsb.

We have recieved the statments back and i'm going through them ready to input them into the online calculator.

On the statements it says :CHG O/DRAFT INTEREST & CHG O/DRAFT EXCESS FEE both are charged on the 1st of each month.
My question is....do I add them both together and input them or just input the FEE ?

Hope this makes sense.

Thanks in advance.

Jon

Excess fee is okay, o/draft interest isn't, have a read of the first post in this thread.

BURGH_LASS

Edinburghlass wrote: »

Excess fee is okay, o/draft interest isn't, have a read of the first post in this thread.

what exactly is a fee, this is what i dont understand, i dont know the difference.

Becks_in_Debt

Yes

:think: Can I reclaim back a £15 admin charge that A & L charged me over a year ago for them closing my account? ? ?

bluenose13

My statements show fees charged and also charges of £8 per day for exceeding my overdraft. On a number of occassions I have to wait for internet transfers to credit my account as my local branch closed down so I cant pay into my account at a branch. Can I only reclaim fees or can the daily charges also be reclaimed

shaun1

spd54 wrote: »

On my statements I have o/draft Interest and o/draft excess charges. Can I claim for the o/draft excess charges and if so can I add interest to the claim for these?

Steve

hi im new to this and just got statements back from lloyds tsb and on these it states o/draft intrest . the figures vary from £1 upto £29 for each month going back over 6 years . can i claim these amounts back as well . cheers

cjpaz

I know i am about to show the size of my IQ here, but what exactly can i claim back of the banks. The reason i ask this is beacuse there are some 'cash advance' charges on my statements. Most of them are for £1.50 which i assumed was the charge at the cash machine. However there are quite a few that are for over £20 which i find a bit much! Please, Please Help!

Leebcoward

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

cjpaz

Thanxs a lot. That is really useful. However, what i cant decide is which catogory these charges fit in. The actual wording is 'Cash Advance Handling Charge'. Any surgestions???