What charges you can claim

hoping_2

Hi there, first time using need help!!

Send claim to bank but bank rang to say some chrages claimed not feasible:

1) Warning letters to say overdrawn. 7 letters @ £13

2) Monthly maintenancecharges of £9.50- I know usually monthly or qtrly normal charges arent allowed however I am only charged tese £9.50 monthly maintenance charges in months were i am overdrawn- are they still not allowed? 12 charges @ £9.50.

Help me??

hoping_2

Richard, how did you get on with this. I am in middle claiming from Northern bank but they are not allowing me the warning letters, which I dont think is right???

Cheers, ~Hoping

redhotscorpio

I finally got my statement through from the halifax visa, I know I can claim on my late fee's and overlimit fee's
but i also wanna know if i can claim repayment cover?suddenly for no reason these charges stopped in nov 06

plus i noticed in 6 months they put my credit from 950.00 to 1200.00 to 1950.000 to 3100.00 just so i didnt go over the limit

beansy

Hi

Can anyone advise me on the following please?

My account went overdrawn for the first time whilst I was on holiday in March between the 20th and 25th and I have received a total of £100 charges cosisting of 2 x £25 Paid item charges and 3 x £25 Unauthorised overdraft charges. I deposited funds into my account immediately I became aware of the problem on 26 March.

After receiving my first statement I e-mailed the bank to complain and they have reimbursed me 2 x £12.50 paid item charge refunds and 1 x £12.50 Miscellaneious charge refund. However, I received another statement today and there are 2 further £25 unauthorised overdraft charges waiting to be taken from my account on 10 May (I have included these in the £100 total above).

I would appreciate any help before I make contact with my bank again.

Bank - Alliance & Leicester Premier current account

Regards

Beansy

Gambling_addict

Hi I was 18-19 and cashing cheques at a casino for £100 a pop, I knew what I was doing was wrong but didnt care as I was going through personal problems - I racked up over £5,000 in charges (£30 for each guaranteed cheque) can I reclaim these charges or is that too cheeky?

nougat

can i claim for charges for paid items - guaranteed cheques and direct debits that were paid although i did not have sufficient funds to cover them?
I have also argued about some charges and received some partial refunds can i just claim for the rest of the charge?

Fishcake_Random

Hey everyone,

I`ve started going through my oh`s statements and i`m a bit confused.
while he was overdrawn his statements say
DR INTREST 5.00 (example)

does this meen he has had to pay intrest on the money he is overdrawn? and can i include this in claiming back charges?

thank you in advance for any help recieved.:j

kind regards

fishcake

Fishcake_Random

anyone??? i really want to make a start on it today

WillKnight

As a freelance designer I used to struggle to 'time' my cashflow especially when it came to getting paid on time and as a result would often get charged for unpaid fees, although bills were always paid soon after.

I've just been scanning my last 3 year's accounts ( teh previous 3 are in a loft somewhere) and was staggered to discover that I've paid out the following:

892 UKP - unpaid fees ( on one occasion 175 for 4 items that hit at once)
332 UKP - unarranged borrowing ( 90 UKP in one month!)
330 UKP - referral fees

I am now looking to claim as much of this as possible but would like to know if I can claim for the unarranged borrowing fee - which appears to be charging me twice for being overdrawn - and what on earth the referral fees are?

Will appreciate any advice!

Will Knight

darby_2

Hi, you can reclaim all of those charges.

The referral fees are what the bank charge when you go into an unauthorised overdraft and somebody in the bank needs to look at your account.