Do I claim the £12's too?

wotnot_2

Hi there, new to this and just started claiming yesterday. First letter went off today to Lloyds TSB for £1,325 plus interest.
I am looking at my credit card statements and see that as of a couple of months ago I have a couple of £12 charges with lots of £30-£35 charges before that. When I put in my claim for the last 6 years charges do I include these £12 charges too or just the charges up until the £12 rule came in?

Sorry if this has already been covered.

Many thanks

BEAUCHAMP_3

Yes you claim for them to, i've added a list of everything you can claim for to make things a bit easier.

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)

You can claim for all of these,

Good Luck!!!!!!!!!

nickmack

wotnot wrote: »

When I put in my claim for the last 6 years charges do I include these £12 charges too or just the charges up until the £12 rule came in?

The £12 level relates to Credit Cards not Bank Accounts. The OFT are stil investigating bank charges so you should claim the full amount of the charge.