Reclaim Unfair Bank Charges article discussion Part II

Edinburghlass_2

sandraroffey wrote: »

can anyone point me in the direction of a thread that talks about claiming bank charges back from a business account. or cant it be done?? any help would be appreciated. its not a huge business, just an account from a small family run pub. thanks folks.xx

http://forums.moneysavingexpert.com/showthread.html?t=270122&page=18

Edinburghlass_2

SqueakyClean wrote: »

Does Bank Charges mean my Overdraft Interest Charges AND Overdraft Excess Fees??? Not sure if these can be claimed back... Cheers

No and yes, check this thread...

http://forums.moneysavingexpert.com/showthread.html?t=400981

ElastiMum

Hi

Im not sure if the charges for unpaid direct debits applied to my Egg Loan qualify as bank charges. I've just received statements for my Egg Loan for the past 4 yrs and see that I've a total of £400 charges :eek: (each one a charge of £20) never mind any interest! I'd be interested to know whether I could claim these back

Any advice appreciated!

LADY_A_5

hi guys, bit of advice wanted really
so you can claim up to 6 years is this correct?
my account used to be the woolwich and barclays took over, do i make the claim with barclays?
all advice appreciated, thanks in advance

Edinburghlass_2

ElastiMum wrote: »

Hi

Im not sure if the charges for unpaid direct debits applied to my Egg Loan qualify as bank charges. I've just received statements for my Egg Loan for the past 4 yrs and see that I've a total of £400 charges :eek: (each one a charge of £20) never mind any interest! I'd be interested to know whether I could claim these back

Any advice appreciated!

Yes you can.

Edinburghlass_2

LADY_A wrote: »

hi guys, bit of advice wanted really
so you can claim up to 6 years is this correct?
my account used to be the woolwich and barclays took over, do i make the claim with barclays?
all advice appreciated, thanks in advance

Check this thread for the different addresses for Woolwich/Barclays..

http://forums.moneysavingexpert.com/showthread.html?t=313772&page=13

Sarah_08

Hi there,

can anyone tell me when claiming back bank charges do you just send off the template letter plus the list of calculated charges? or do you send of a copy of statements as well ?

thanks Sarah

ElastiMum

Edinburghlass wrote: »

Yes you can.

Hi Edinburghlass

In response to my query -
Hi

Im not sure if the charges for unpaid direct debits applied to my Egg Loan qualify as bank charges. I've just received statements for my Egg Loan for the past 4 yrs and see that I've a total of £400 charges :eek: (each one a charge of £20) never mind any interest! I'd be interested to know whether I could claim these back

Any advice appreciated!

- The thing is - these are bank charges - If I claim these will be put on hold until the court decision is reached - right?

thanks again

michael_J_M

Hi, My girlfriend reiceved an £8 charge for being £8 short on a Direct debit payment. She was then charged £25 and then repeatedly charged for not paying it. She paid none of the charges. It has gone to debt collectors and now a solicitor who's threatening Litigation. It now totals £444.

Is it possible to use the reclaiming system to cancel this debt if these charges are unlawful?

Also is it too late to to appeal this and would court procedings be delayed while this is done?

Any help would be great, thanks!!

Edinburghlass_2

Sarah_08 wrote: »

Hi there,

can anyone tell me when claiming back bank charges do you just send off the template letter plus the list of calculated charges? or do you send of a copy of statements as well ?

thanks Sarah

Send a list, if you use the Interest Calculator in Martin's article here..

http://www.moneysavingexpert.com/reclaim/bank-charges#step2

you can print out the resultant list and send that.