We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Can I reclaim for failed DD charges?
SJ
Posts: 2 Newbie
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
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
0
Comments
-
No as they are a service charge not a penalty charge.0
-
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,
SJ0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards