What charges you can claim

fairyprincess76

ajaxgeezer wrote: »

Only excess charges are claimable, not ongoing fees

we claimed back everything and got an offer for the full amount

fairyhalo

can anyone please advise me, when totalling up the bank charges they've sent me, do I for example total all charges ie.o/draft interest £22.64, o/draft excess£20.00,o/draft interest £0.35. I wasn't sure about the small amounts that are charged to your acount if they're under £4.50? thankyou.

Edinburghlass_2

Have a read of the first post in this thread for what you can and can't claim and also check out the Reclaim Help Thread in my signature which gives you a basic start guide, good luck.

skynine9

i am atempting to claim charges for a morgage account with the alliance and leicester , bounced direct debit fines etc, but can i also claim back the legal fees they charged me? because to me the total payments due in the 3 year period were £6000 and the total charges they fined me were £5900 making the total they got £11900, so my argument is that if they had never fined me i would have never been behind therefore the legal charges would not have been needed, or am i clutching at straws ?

ricecake_2

Hi,
Probably being a bit thick, ive read the comments on which things you can and cant reclaim.
I have a lengthy amount of statements from my bank and was wondering what i do next.
Do i just simply total up all the thing they may have illegally charged me for and send the bill with the next template letter?
Or do i need to deduct the "actual" amount it may have cost the bank (ie a suggested £1)?

Many thanks
Ricecake

ps Barclays returned my cheque for £10, and said they perform this sevice free of charge.

pete-in-london

Total up all the charges - you go for reclaiming the charges in full - don't deduct anything from them.

hipoh

Just a quick question:

I have two types of charges on my credit card:

arrears charge: £20
Overlimit charge £20


Are both of these reclaimable?

Thx

Hipoh

pete-in-london

Yep - arrears charge is just another name for 'late payment fee'

Scottee_2

Hi Guys

I've jsut started wading through my statements. Back in 2001, NATWEST were only charging me £14 to go Overdrawn.... is that acceptable or should I be added these charges (there are quite a few!) or ignore them?

Scottee_2

Also, while I am asking a newbie question, does anyone know what a "Referal Charge" is, as I have one or two, for £40 and £60