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Can I reclaim for failed DD charges?

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Hello,
This is my first attempt at asking a question, although I have been following this site religiously for the past 6 months and with the advice given I have successfully reclaimed £7K in Bank charges - BIG THANKS!:j
My question is this; during a bad money spell, we incurred several charges for failed direct debits by missing our mortgage payments with Rooftop. Can we claim these back? I have written and requested a refund but they replied saying that these were administration charges and threfore not reclaimable. Can anyone advise me on this one, please? I have seen similar questions on the forum, but never the answer.:confused:
Regards,SJ

Comments

  • KTF
    KTF Posts: 4,848 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    No as they are a service charge not a penalty charge.
  • SJ
    SJ Posts: 2 Newbie
    Thanks for that. Just out of interest, how do they fiffer from the Bank Charges for failed DD payments then? As well as Failed Direct Debit Charges of £30 a time, they have also charged me £25 for arrears letters, £75 Arrears management fees and a £30 Broken arrangement fee. I understood the Banks were obliged to charge a reasonable amount to cover costs, is this not the same for Mortgage Companies? I'm not questioning your reply, I just want to be clear in my own mind.
    Regards,
    SJ
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