What charges you can claim

BatFink_3

Dear Smudgemanc26,

Would it be possibe to know whether you used the standard format when claiming from Capital One Card please?

Thank you so much

BatFink

Picasso2_2

Yes

Do you think we could reclaim charges from the Student Loan Company? They 'lost' 3 deferment claims on the run even though one was sent 'signed for'. "Possibly lost between departments"was their excuse but still charged for as they claim it is not their problem, its yours to get it to them.

Picasso2_2

Yes

Just to say Intelligent Finance paid up in days of sending off the first letter but have had the "they believe the charges are acceptable" standard letter back from LLoyds. Back to the printer!!

iluvclydesdalebank

Hi there- I'm with the clydesdale bank (not for much longer..) and I'm getting a service charge (SC on my account) of £25 and listed as a maintenance charge on correspondance, only on months when I've exceeded my overdraft limit. It seems to essentially be a charge on exceeding overdraft but does anyone know if because it's described as a maintenance/service charge this can also be challenged?? Many thanks

beckied

iluvclydesdalebank wrote: »

Hi there- I'm with the clydesdale bank (not for much longer..) and I'm getting a service charge (SC on my account) of £25 and listed as a maintenance charge on correspondance, only on months when I've exceeded my overdraft limit. It seems to essentially be a charge on exceeding overdraft but does anyone know if because it's described as a maintenance/service charge this can also be challenged?? Many thanks

hi i dont think that you can claim for service charges its just what i read i have claimed for my credit card company annual charges to read at a later date that i could'nt claim it it would be nice though as these are high charges "dont qoute me on it it is just what i read"

Kurt_Hamster

mbandrews wrote: »

natwest have informed me, after i rang them, that it will take 8 weeks for them to let me know what they are going to do about my charges request. i put on the letter i will expect a letter in 14 days but i have received nothing, so should i just wait 8 weeks for them to send me a letter saying no you cant have your money or any other suggestions please???

You gave them 14 days, so give them 14 days.

If you want to deal with this via the Financial Ombudsman then wait the statutory 8 weeks. If you want to take the court route then give them the 14 days.

If you are going to put time limits in your letters then you need to follow them.

confusedsavingexpert

Hi... I am new to this and trying to take it all in please confirm this for me before i start... i bank with Lloyds TSB...
O/DRAFT INTEREST - i cannot claim?
O/DRAFT USAGE FEE - i can claim? can i claim the interest?
ACCOUNT CHARGE - can i claim? is this the service account charge? if it is i see that you do say no it can't be claimed, it was £8 per month it is now £10 per month.. please confirm?
O/DRAFT EXCESS FEE -i can claim? can i claim interest?
UNPAID S/O - i can claim? can i claim interest?
Please advice.. i'm confused! Thanks.

Lolliepop_3

I have got my statements from my bank ready to try and reclaim the charges and they refer to 'paid referrals' which cost £30 a throw and also 'unpaid out' which cost £35. I don't know what the latter are.

I know I can claim for 'paid referrals' can I claim for 'unpaid out' too ?

Kurt_Hamster

Yes you can. It's bank-speak for "bouncing"

cool_beans_3

yeah unpaid is when a Cheque you have issued is unable to be paid due to eg lack of funds, cheque being post dated.

It is a charge but Im unaware whether you can reclaim it back or not.