Reclaim Unfair Bank Charges Discussion Area

blackwoodgirl

hi
i would be very greatful if someone could tell me if i can claim for overdraft interest

i am working out the charges plus interest for 2 bank accounts and i cant seem to find the thread which tells you what you can claim for and am unsure if i can claim for overdraft interest
i thought i had saved to favorites but cant find on computor or web site there is just so much on this web site i get lost all the time hence the add to favorites
thanks

buffers

Hi

Can anybody please tell me the difference between an 'item charge' and an overdraft charge? My bank have agreed to refund a £25 'item charge' because it was a standing order but they are levying another £25 for 'being overdrawn'. Can I get this last payment back too????

JW1035

This may have been asked 100 times but I am still unsure of what exactly to do.
I was to be fair a fool with money when I first left home and got myself into a just manageable debt namely overdrafts, credit cards etc. I was charged several times but have since closed nearly all of the accounts I held during that time. Naturally I disposed of the relevant statements etc.

Is there any way I can obtain these details for closed bank accounts I have held within the past 6 years, e.g. They (reluctantly) give me a breakdown of all the times I was charged would be the perfect solution.

Also does this work for credit cards and loans too. Any replys would be a great help :rotfl:

thanks :T

JW1035

just called hsbc who state they will take 40, yes 40 WORKING days for them to arrive with me?
Any views

amkbaker

That's right, it seems 40 days is the norm and some seem to stretch it out a bit longer, just hang on for the 40 'wildeness' days. They all seem to come round in the end

amk

Edinburghlass_2

buffers wrote:

Hi

Can anybody please tell me the difference between an 'item charge' and an overdraft charge? My bank have agreed to refund a £25 'item charge' because it was a standing order but they are levying another £25 for 'being overdrawn'. Can I get this last payment back too????

If you don't know what the charges mean, phone your bank and ask, although you should be able to reclaim a charge for being overdrawn.

Edinburghlass_2

blackwoodgirl wrote:

hi
i would be very greatful if someone could tell me if i can claim for overdraft interest

i am working out the charges plus interest for 2 bank accounts and i cant seem to find the thread which tells you what you can claim for and am unsure if i can claim for overdraft interest
i thought i had saved to favorites but cant find on computor or web site there is just so much on this web site i get lost all the time hence the add to favorites
thanks

No you can't claim for normal overdraft interest.

seven9zero

I am claiming £1700 from MBNA, today i recieved a cheque for £760 from them "as a good will gesture". Now i know that i should ignore this and carry on with things but what i wanted to ask is. Should i send the cheque back with my 3rd letter, or just keep it to one side?

thanks in advance.

Edinburghlass_2

As its unusual to get a cheque I'd keep it to one side and reply that you accept this in part payment with prejudice and will be persuing them for the rest.

twinstwins02

I have a finance agreement with blackhorse finance and 3 years ago got charged lots of late payments etc charges would I be able to claim for these? I still pay each month to Black Horse. If so is anyone aware of the address to send letter one to?? Black Horse I think is part of a one of the large banks?? which one? Can anybody help please?