What charges you can claim

natweststaffmember

sue the bank

moon1970

Progress so far:
Received full statements from A & L
List of charges from IF
List of Charges from Abbey National Credit Card.

Now I have got myself confused, I think I have read too much now!!

What charges can I claim back? Does it have to be over a certain amount for each charge etc.

For instance on my Abbey Credit card I was charged 12.00 late paying fee can I claim this back?

Am I right in saying that I now have to add up my charges and send out the second letter asking for full refund.

Do I add the interest of 8%


Sorry for all the questions

Thanks

princesskez26

moon1970 wrote: »

Progress so far:
Received full statements from A & L
List of charges from IF
List of Charges from Abbey National Credit Card.

Now I have got myself confused, I think I have read too much now!!

What charges can I claim back? Does it have to be over a certain amount for each charge etc.

For instance on my Abbey Credit card I was charged 12.00 late paying fee can I claim this back?

Am I right in saying that I now have to add up my charges and send out the second letter asking for full refund.

Do I add the interest of 8%


Sorry for all the questions

Thanks

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)

Yes send the letter asking for a refund once you have calculated your charges, stick to the timescales in your letter, if you get no reply send the letter before action then if still no reply file your claim at court

Kez

The_Caustons

I am in the process of helping my husband claim back substantial charges against Lloyds TSB. They rather annoyingly sent us statements, but managed to miss out 2005 completely so they may have another 40 days to make us wait!!

In the interim, I am calculating the amount he could claim back. He has a lot of entries for "overdraft interest" and I am unsure as to whether he can claim this back or not.

I would be very grateful for any advice, and if anyone has claimed overdraft interest from Lloyds, would love to hear from you!

With many thanks

princesskez26

The_Caustons wrote: »

I am in the process of helping my husband claim back substantial charges against Lloyds TSB. They rather annoyingly sent us statements, but managed to miss out 2005 completely so they may have another 40 days to make us wait!!

In the interim, I am calculating the amount he could claim back. He has a lot of entries for "overdraft interest" and I am unsure as to whether he can claim this back or not.

I would be very grateful for any advice, and if anyone has claimed overdraft interest from Lloyds, would love to hear from you!

With many thanks

No im sorry you can't, only overdraft excess fee

Kez

stebiz

The_Caustons wrote: »

I am in the process of helping my husband claim back substantial charges against Lloyds TSB. They rather annoyingly sent us statements, but managed to miss out 2005 completely so they may have another 40 days to make us wait!!

In the interim, I am calculating the amount he could claim back. He has a lot of entries for "overdraft interest" and I am unsure as to whether he can claim this back or not.

I would be very grateful for any advice, and if anyone has claimed overdraft interest from Lloyds, would love to hear from you!

With many thanks

Just to confirm what has already been said. No you can't claim back interest that they have charged.

Stebiz

Thailand

stebiz wrote: »

Just to confirm what has already been said. No you can't claim back interest that they have charged.

Stebiz

Unless its interest from unlawful bank charges, and that only.

Interest from this can be recouped if proved to be an illegally
imposed penalty.

mattsaunders

Hi guys I have just got my statement at last and have highlighted all the charges.


Here are some examples of charges on my statements I am not sure about.


Details Withdrawn

Charges 31JAN A/C 12345678 20.00
Draft Fee 12.00
Referral charge 75.00
Unpaid Item DD 30.00 (Does DD mean Direct debit)



Can I claim these?

andrea85_2

My bank used to charge your quartely fees if you went overdrawn, this was fees for using your switch, cheques, dd's etc. They now charge a referrel fee. Can you reclaim the quarterly charges??
Thanks

Lilly_May_2

Hello, I have got stuck already?? please help...I have my 6 years of statements, so I need to work out how much I can claim for, lets say I own them according to their monthly statments £1000, I have already paid them (including interest) about £900, on a credit card of £200..so...does that mean I can claim about £700, less the interest. If I win and get back the £700,(less the interest) what happens to the different between the £700 and the £1000 they said I own, as I haven't paid the different, have I.? so will it just be written of, the differents?.....sorry, but I don't seem to be able to find any threads about it.....but really just want to make sure I do it right........a very confused......Lilly