Abbey (merged)

suelumsden

Put the date they were taken from the account. Thats what I did.

sparky0107

far wrote: »

Just to clarify then, if a charge was incurred due to a Direct Debit failing, say, on the 13th of March and the charge was deducted from the account on the 21st of April, you used the date of the 13th of March - is that correct? If so, Dad wouldn't be able to claim against a few charges as they would have occured beyond the 6 year Statute of Limitations period

Claim from the date they were taken from the account in your dad's case21st April

fedupwiththeworry

I've tried searching but can't seem to find an answer to whether I should try and claim back the "unauthorised overdraft/instant overdraft monthly fee" I obviously not claiming the overdaft interest as that is fair but what about the charges ?

Thx

fedupwiththeworry

God wish I'd done this sooner as between Apr 2001 thru Feb 2002 I was hit with £1702.50 in charges, imagine that back with the interest !!

I assume that's gone now

fedupwiththeworry

I've tried searching but can't seem to find an answer to whether I should try and claim back the "unauthorised overdraft/instant overdraft monthly fee" I obviously not claiming the overdaft interest as that is fair but what about the charges ?

Anyone know the answer to this pls ?

Thx

Tigger4

I'm just sending off the second letter to Abbey now requesting that charges are repaid. Here goes.

Marie

fedupwiththeworry

I've tried searching but can't seem to find an answer to whether I should try and claim back the "unauthorised overdraft/instant overdraft monthly fee" I obviously not claiming the overdaft interest as that is fair but what about the charges ?

anyone at all

Tigger4

Found this on another thread if it helps at all - Marie

List Of Charges We Can Reclaim

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The following is a list of Bank charges that we can and cannot claim for. Different banks may have different names for the same type of charge, if you are unsure about a charge phone your bank and ASK.

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)

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.
Normal overdraft interest charges

far

fedupwiththeworry wrote: »

God wish I'd done this sooner as between Apr 2001 thru Feb 2002 I was hit with £1702.50 in charges, imagine that back with the interest !!

I assume that's gone now

Not necessarily. The FSA "stopped" the clock on the 27th April 2007 which means, in theory anyway, that in court cases in England, Wales and Northern Ireland, and in cases that are decided by the Ombudsman, you could potentially reclaim for all charges incurred from that date onwards. However, on another thread I started on this, no-one has conclusively said this is the case but reading Martin's article about the court case result, it does certainly sound as if this is the case.

fedupwiththeworry

Thx Tigger and Far, suppose the best thing to do is claim for the £1702.50 and the overdraft charges....they can only say no.

Or would claiming for wrong things damage my case ?