What charges you can claim

jamieson20

Hi, I'm new to forums. Black Horse and GE capital bank have absolutley stung me for late/unpaid charges. Am I right in thinking that I can reclaim these charges .I have succesfuly reclaimed £1200 from HSBC and trying to claim £376 from Nat west ( which I have had no reply yet) but feel robbed by Black Horse and GE and would like to know if I can re claim from them??:mad:

LozBingley

Lilly_May wrote: »

Hello Lozbingley, I was just get a bit confused, because, Captial one are saying I still own them about £1100. I have already paid about £900, but still own them this £1100, I had a credit limit of £200 to start with, I had a look at Martins Calculator, and worked it out that it was about £1100 (this needs to be double checked by me ),that was due in late payments and over Limit charges, (£20 each)so I am guessing ! I claim for the £1100, I am just getting confused as I haven't as yet pay £1100 only £900. if I am on the right track, I should get £600/£700 back (taking the interest off, that they have charge me) and the £1100 wipe of??? does that sound right?..... still a bit confused......Lilly....
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Has Martin's calculator said it was £1100 before Interest or After?

You should get the difference between what the calculator said and the amount you owe.

If you owe more than the total charges (and interest) then it will just reduce what you owe. IF the charges (and interest) are more than what you owe you will get money back! BUT in this case they will try to tell you that the charges are lawful and offer you far less than what you ask for. YOU MUST STICK TO YOUR GUNS! You know you are right and they are wrong! TAKE THEM FOR EVERY PENNY and don't get fobbed off with anyhthing less than 85% offers! Hold out for interest too as if you have to go to court your will be awarded 8%

dob_4

please can anyone help me i am new to this forum i have just receieved my bank statements from lloyds for the last 6 years can anyone tell me can i reclaim back overdraft usage fee and overdraft excess fee:p

princesskez26

dob wrote: »

please can anyone help me i am new to this forum i have just receieved my bank statements from lloyds for the last 6 years can anyone tell me can i reclaim back overdraft usage fee and overdraft excess fee:p

Yes both

Kez

kudox_2

I have a RBS Premier account does any one know exactly what I can claim for such as the maintenance charge applied even though I have an authorised overdraught and pay a monthly set charge of £15.00, but on occasions when overdrawn they hit this rises to £48.00 can you claim the difference.I would be grateful of any first hand experience feed back, Thanks

natweststaffmember

I think some of those charges may have been unlawful charges and unarranged borrowing mixed in but my knowledge on RBS charges is not hot unfortunately.

rhialeigh

I have asked this question in a Yorkshire Bank thread but i have had no response.......My question is: I have just received my statements from Yorkshire Bank, but i am not sure if i can claim for Debit interest and Debit under advice? Please can someone tell me if i can claim for these two items as a have looked everywhere, and can't find the answer i am looking for.....thank you

Edinburghlass_2

No to debit interest unless it is caused purely by bank charges and I have no idea what Debit under advice is, phone the bank!

rhialeigh

Ty edinburghlass for your speedy reply.....it is very apprietiated:T

fiona_scotland

Hi guys,I have just recieved my statements from Clydesdale bank for the 6 years in the post this morning, iv looked thru them and theres some things i dont understand, iv looked at the threads on which fees to reclaim, but cant find it on this forum.At the side of the statement it gives you an example : DD=direct debit. OD= overdrawn. SO= standing order etc.... well, i have one thats not in the examples saying......SC and in the description column it says " period to 30 sep" and in debits column its £25. There are quite a number of these 'SC's' rannging from £22.50 to £25Does anyone know what SC means and can i reclaim it??Also.... can i reclaim a "Fee-recalled S/O" ?Also.... can i reclaim an "arrangement fee", iv no idea what this is!Also.... "a fee as advised".. theres nothing to say on statement what this is.If anyone can give me some help i'd really appreciate it :)Many thanksFiona