Charge help please

MrsBomber

Hi everybody, I received my statements yesterday and i'm calculating the charges just now.

With RBS, we have 34.00 charges every month, this is made up of a 28.00 over limit fee and a 6.00 royalties fee. Does that mean that we cant claim the 6.00 as it's not an unlawful charge?

Also, can we claim back any interest on the overdraft amount?

Thanks
Caroline

angelwillow

I think you should get your answers from the reclaim charges thread at the top of this board (under post 4) but as far as I'm aware you can't claim back interest and royalties fees.
I'm sure it's just overlimit/overdraft fees,unpaid direct debits etc.

Good luck and I hope you find the info that you need.

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angelwillow

Here you go.

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. If anyone has different charges to add, please PM myself or Edinburghlass so we can add them.

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

Linked thread...

http://forums.moneysavingexpert.com/....html?t=407603


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MrsBomber

Thank you AngelWillow, that makes it a lot clearer for me. OK another question though.

What is an unauthorised overdraft limit? Is this going over your limit, hence the 28.00 charge we get every month?

Thanks

angelwillow

Yes I think so. It's like say you have an overdraft of £500 but you go over that.

impy

Angelwillow, thank you for your list of what can and cannot be claimed for - taking your advise I have just contacted Yorkshire Bank to ask what Debit Interest is ,as they are charging me for it almost every month. As per Yorkshire Bank Debit Interest is commonly known as Normal Overdraft Interest Charges. Thanks again impy