What charges you can claim

grimreaper

WillKnight wrote: »

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

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

hope this helps courtesy of rex mundi s post:T

grimreaper

Fishcake_Random wrote: »

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

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


:T courtesy of rex mundis post hope this helps

Fishcake_Random

I cant see mine on either of those lists.

i`m sooooo confused

Kurt_Hamster

Fishcake_Random wrote: »

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

If you go over your overdraft limit then additional interest is calculated on the excess. If you went over your limit as a result of penalty charges then you can reclaim that extra interest as well as the penalty charge.

juleb

Hi,, im just about to add up all my charges and was wondering what the words ( Debit Interest ) mean,, and can you claim it back?

Thanks

Juleb

barnishroader

Yes

barryheffron wrote: »

Sorry but i have tried to understand what is listed in the first post but i am not savvy enough to understand how they relate to what i have been charged.

I have the following charges on my account:

Direct debit set up
Interst charged
Referral Charge
Fees for going overdrawn
Fees for going over overdraft

Also there are fees that were charged for having a packaged account but i think that i can't claim for them. If i am wrong please let me know!!

Can someone please let me know which of these i can claim back for?

Would appreciate any help.

Please can someone help as i have everything ready to go but need an answer before i can get my total.

kelpie

I have finally got round to trying to claim back bank charges but have a couple of unanswered questions which i hope someone can help with. Firstly can i claim back the charges to loan fees and overdraft arrangement fees and secondly, i was meant be be receiving free banking for the first 12 months but received charges during that period, can i claim these back ?

CHART67

Hi,

I'm in the process of trying to reclaim charges from various banks.

All have now sent me list of charges since 2000 but I'm not entirely sure what constitutes a default charges.

Lloyds in particular have sent statements with the following charges shown throughout the last 6 years.

Unpaid Direct Debit Charges
Unpaid Standing Order Charges
Overdraft Excess Fees

The above, I guess, are fairly obviously default changes are they relate to fees incurred due to bounced dd’s and so’s.

The two below I’m unsure on, can anyone advise?

Overdraft Interest Fees
Overdraft Usage Fees

:beer:

smudgemanc26

http://forums.moneysavingexpert.com/showthread.html?t=407603

Try this page it tells you what you can and cant claim

smudgemanc26

Sorry Not too sure try this forum link though it might help

http://forums.moneysavingexpert.com/showthread.html?t=407603