Can I reclaim for failed DD charges?

SJ

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.
Regards,SJ

KTF

No as they are a service charge not a penalty charge.

SJ

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