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Requesting breakown of charges without paying for statements?

timetogrowup89
timetogrowup89 Posts: 535 Forumite
in Reclaim bank & credit card charges
Hi,

Hope this is in the right place..

I had a student account with BoS with an overdraft of about £600. They withdrew my overdraft when I stopped being a student and I was out of work so couldnt afford to pay.

It got transfered to a DCA and I am about to make my final payment to clear the account. I have paid back over £1000 which I guess is bank charges for not paying my overdraft back until it went to DCA.

Read somewhere that I could request a breakdown of charges without paying individually for all my statements? (I lost the thread I was reading about this and cant find again..)

Can anyone please advise on if I can do this and if I can how to request them?

Thankyou,
March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2

Comments

  • dunstonh
    dunstonh Posts: 121,299 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Read somewhere that I could request a breakdown of charges without paying individually for all my statements? (I lost the thread I was reading about this and cant find again..)

    You spend £10 and do a Data subject access request.

    However, why would you want it? Its not as if you can claim the charges back any more.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    thanks for your reply..

    I was hoping that I could see when the charges were applied and when it was transfered to DCA. My credit file shows as being late for well over a year before defaulting. Don't understand why it didnt default sooner?
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
  • Wywth
    Wywth Posts: 5,079 Forumite
    timetogrowup89 wrote: »
    Hi,

    Hope this is in the right place..

    I had a student account with BoS with an overdraft of about £600. They withdrew my overdraft when I stopped being a student and I was out of work so couldnt afford to pay.

    It got transfered to a DCA and I am about to make my final payment to clear the account. I have paid back over £1000 which I guess is bank charges for not paying my overdraft back until it went to DCA.

    Read somewhere that I could request a breakdown of charges without paying individually for all my statements? (I lost the thread I was reading about this and cant find again..)

    Can anyone please advise on if I can do this and if I can how to request them?

    Thankyou,

    http://www.moneysavingexpert.com/redir/d27233e0 :)
  • timetogrowup89
    timetogrowup89 Posts: 535 Forumite
    Thank you :)
    March 2013 LBM so here goes....PAID OFF £6944! Unfortunately have built it all back up again! Amounts to be added up soon! Scare myself into action! 30/05/2018 LBM 2
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