What charges you can claim

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nanamoon wrote: »

Im really thick in the financial dept but have managed (with this webpage's help)to get the first letter off to my bank asking for copies of statements to which they replied enclosing photocopies of bank charges. But I'm confused to what I can claim back. Can I claim back all the following they mention:-
OVERDRAFT INTEREST, OVERDRAFT USAGE FEE, ACCOUNT CHARGE, OVERDRAFT EXCESS FEE

Thanks to Rex_Mundi for the excerpt from his post below:

List Of Charges We Can Reclaim
The following is a list of Bank charges that we can and cannot claim for. Different banks may have different names for the same type of charge, if you are unsure about a charge, just ask in the board.

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

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.


Hope this helps and good luck

hasty85

Hi, I am trying find out if I can claimed charges relating to Natwest Advantage Gold. I have items listed "charges 01/09/06 A/C 07*****0". I think these relate to the monthly charges for having this account. Can you claim this back ?

Also on my statement there are items listed "Interest 03SEP A/C 07*****7" can i claim this interest back.

When the account was made into Advantage gold I had an agreed overdraft limit. From the interest taken each month for the overdraft can I claim this back ?

Cheers
Neil :rolleyes:

metalmuttversion2

Yes

I have probably posted this before but can't be sure a PC went up the creak last night (power outage!).

on my statements i have seen entries for Unpaids out which is normally around £25.00. can i claim this back & account fees also are these also for reclaiming or not??

*flutterby*

Unpaids out is the charge they put on your account for not paying a direct debit or a cheque and yes, you claim everyone one of these back!

Good luck

LATHMEISTER_2

Hi
I have been looking at my Lloyds CC statements and have found admin charges for £15 are these refundable

paulyman

Does anyone know if I can reclaim the ludicrous ₤1.50 a time charge every time I use my Halifax Visa Debit card in shops when I'm travelling? They call it 'service charge' but my USA bank debit card doesn't charge me the same thing. I travel all the time and it must have cost me thousands over 6 years!

natb_2

i have smile account and on the months that i have gone over the overdraft limit i have been charged a daily excess charge and a service charge. can i claim for both of these?

LATHMEISTER_2

Hi
I have been looking at my Lloyds CC statements and have found admin charges for £15 are these refundable

please help

juleb

Hi,, im getting more and more confused,, can I claim for debit interest, any help would be greatly appreciated.

juleb

danfettes

I have claimed back from Natwest for the last 3 years and have received my money about 4 weeks ago. I now realise I was a bit stupid and should have claimed back for the whole 6 years.

Does anyone know whether I can now submit a new claim for the additional 3 years that I never claimed back?