Help Please

PCHILDS

I have charges on my account next to my overdraft Interest. They are simply called 'Charges' and differ in size each month £29-£57. can I claim them?

LozBingley

PCHILDS wrote: »

I have charges on my account next to my overdraft Interest. They are simply called 'Charges' and differ in size each month £29-£57. can I claim them?

Which Bank? & How much exactly?

PCHILDS

it's natwest bank. The charges occur alot and vary between £29 and £50. They are always after the interest charged on my overdraft, which I know I can't claim. They may be charges for going over my overdraft.

LozBingley

PCHILDS wrote: »

it's natwest bank. The charges occur alot and vary between £29 and £50. They are always after the interest charged on my overdraft, which I know I can't claim. They may be charges for going over my overdraft.

Exactly £29 and £50 ? or £57 and other amounts involved? are the always whole paounds or any pence in them? - Just off to check their charges listed on net now - be right back

LozBingley

Had a quick look if they appear on the following list you can claim them all back


Off the website http://www.natwest.com/personal02.asp?id=PERSONAL/DAY_TO_DAY/CURRENT_ACCOUNTS/RATES_CHARGES#unarranged

If you exceed your arranged overdraft facility or go overdrawn, you'll be charged £28. You may also pay:
<TABLE class=dataTable cellSpacing=0><CAPTION>Fees</CAPTION><TBODY><TR><TH class=first>Fee type</TH><TH class=head>When charged</TH><TH class=head>Fee amount</TH></TR><TR><TD colSpan=3>Unarranged Borrowing*</TD></TR><TR><TD class=first>If you exceed your arranged overdraft facility, or if you go overdrawn without prior arrangement: this is in addition to interest payable as detailed</TD><TD>Unarranged borrowing details of the dates these fees are applied on can be found in our leaflet 'A guide to Personal Current Account fees and interest'</TD><TD>£28</TD></TR><TR><TD colSpan=3>Unarranged transaction - Unpaid</TD></TR><TR><TD class=first>Payable when a cheque, Standing Order or Direct Debit is not paid due to there being insufficient funds available in your account</TD><TD>Unpaid fees are applied at the time the transaction is not paid or taken from your account</TD><TD>£38 per item</TD></TR><TR><TD colSpan=3>Guaranteed card payment fee*</TD></TR><TR><TD class=first>Payable when you informally request an overdraft by making a payment supported by cheque guarantee or Maestro where there are insufficient funds or insufficient unused agreed overdraft facility to meet the payment.</TD><TD>Guaranteed card payment fees are applied at the time the transaction is paid or taken from your account</TD><TD>£35 per item</TD></TR><TR><TD colSpan=3>Paid referral*</TD></TR><TR><TD class=first>Payable when you informally request an overdraft by issuing a payment instruction on your account where there are either insufficient funds or insufficient unused agreed overdraft facility to meet the payment and we in our discretion make payment which results in or increases an unarranged overdraft</TD><TD>Paid referral fees are applied on the sixth business day of the month after the transactions took place</TD><TD>£30 (max £90 in a calendar month)</TD></TR><TR><TD colSpan=3>Default notice**</TD></TR><TR><TD class="first last">If you break your agreement with us and we have cause to issue a Default Notice to you requiring you to either repay the debt or remedy breach of agreement, we will charge you £30 for our administrative costs in issuing the Default Notice</TD><TD class=last>Default Notice fees are applied at the time each Default Notice is issued</TD><TD class=last>£30</TD></TR></TBODY></TABLE>