What charges you can claim

barnishroader

Yes

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.

johnC_2

can i claim for 'total charges' with hsbc?

fkelanne

yes just follow the steps.
The "total charges " are the main charges that they apply to you account.

itsrainingmen_2

Hi,

C&G have just sent me a letter saying that a charge of £31 would be applied to my account as there wasn't enough money in my account and the dd wasn't paid when they applied on 1/5/07. (My fault forgot to transfer the money into the account!) They said that I could pay the amount by cheque or the amount could be added to my mortgage and interest would charged on the amount to the end of the mortgage.

I rang customer services and said that in line with the FHSA ruling I felt that their £31 charge was excessive and what did they propose as an alternative.

Their Customer Services Adviser said that she would get her manager to write to me. The speed with which she said it implied that she was aware that customers may ring about these charges and was 'ready' for my call.

Brilliant site, been really helpful. Im just about to submit my claim to Lloyds TSB.

mockles

I had a "free" bank account with Allied Irish Bank (no charges if I had money in my account all the time). They then changed the rules so that I needed at least £1000 in my account each day for a 3 month period to avoid charges (4 charge periods per year). If I dropped below £1000 at any stage, which is hard to avoid, the quarterly charges kicked in (withdrawals, lodgements, debits, atm charges, statement charges, standing charge).

I have since closed the account.

Can I claim these back, as I would not have been charged them if I had more money in my account?

Why is there a limit of 6 years, as I was with them from 1990, and I am sure there are numerous charges before 2001 (from when I have statements)?

boo2905

Hi :hello:

Please could I just say whatever you do don't take the first answer about statements from the bank.

I spoke to HSBC three times asking for credit card statements - the first guy was nice (strange for HSBC) and said that I could order 12 for free and then it was 50 per statement after that but he suggested that I ordered the first twelve then and once I received them order the second lot of twelve and so on.

A week later I received my first lot of 12 statements and phoned up again. The lady took 30 mins and 4 'put me on holds' to come back to me to say that they would be £1 each and the bank would be investigating what the guy before had said to me.

That evening I rung up again :mad: and spoke to another lady - a bit nicer and she said no problem she'd send me them for free and true to her word I received them yesterday!!! :rotfl:

Amazing!!

Anyway, my other question is on a statement what does DR stand for?

roxy080961

hi there
I have just had pages sent to me from my bank from the last six years and dont understand them the have three different charges throughout the pages which are;-
overdraft interest
account charge
overdraft excess fee
does anyone know if I can claim any of these back I dont understand
can any one help please

Russjo

Not sure what DR is, haven't seen them on any other statements other than HSBC. All I do know is that DR generally means a charge

Mark7799

No

Debit???? (money taken out of your account)

rag-girl

boo2905 wrote: »

Hi :hello:

Please could I just say whatever you do don't take the first answer about statements from the bank.

I spoke to HSBC three times asking for credit card statements - the first guy was nice (strange for HSBC) and said that I could order 12 for free and then it was 50 per statement after that but he suggested that I ordered the first twelve then and once I received them order the second lot of twelve and so on.

A week later I received my first lot of 12 statements and phoned up again. The lady took 30 mins and 4 'put me on holds' to come back to me to say that they would be £1 each and the bank would be investigating what the guy before had said to me.

That evening I rung up again :mad: and spoke to another lady - a bit nicer and she said no problem she'd send me them for free and true to her word I received them yesterday!!! :rotfl:

Amazing!!

Anyway, my other question is on a statement what does DR stand for?

Hi Ya,
read Martins main article,
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632

From Martins article :-

What if I don’t have the details?

Let’s be honest, how many people have all their statements for six years? If you’ve online banking access, first see what’s available there, if not send a letter to your bank requesting a fully comprehensive list of all past charges. You’ve a legal right to do this under the Data Protection Act. If you don't know where to write to MoneySavers have compiled a list of data protection addresses which should help.

Unfortunately they are legally allowed to charge for this info, the maximum amount is £10 and, banks being banks, they tend to charge the full amount. So to save time, enclose a cheque for a tenner in your letter.

To help use this: Sample Letter Template
(Right click this and save the file)


(At this point there is a link for the template letter for you to use)

The bank only has a maximum 40 days to respond. If you don’t get a reply, follow up with a phone call and then report it to the Information Commissioner for a breach.

Please don't request "Statements" as they can charge you for them.

Print off Martins main article & read through it a good few times to help you understand what to do,It may be a few pages of paper, but it's worth having a hard copy for quick reference rather than flicking from 1 screen to another on your pc. There are also many people on here that will be willing to help you with any problems. Good luck & keep us posted to how your doing.

Les