Help!!!!!!!

Stacey01_2

I really hope someone can help explain my reply to me....

I recently used Martins template letter (slightly adjusted) to try to reclaim charges that I have occurred via my current account/bank account not a credit card. I received a reply today via an excel sheet with the following columns and I would like to know which columns I can claim the totals back for and which ones I can't:


1) Total cleared transaction charges
2) Total unpaid direct debt charges
3) Total unpaid cheque charges
4) Total unpaid standing order charges
5) Total unauthorised overdraft fees
6) Total cleared transaction charge refunds
7)Total unpaid standing order charges refunds
8) Total unauthorised overdraft fee refunds
9) Total unpaid direct debt charge refunds
10) Total unpaid chaque fee refunds

Im so confused!!!
Many Thanks

lindilou39

Stacey01 wrote: »

I really hope someone can help explain my reply to me....

I recently used Martins template letter (slightly adjusted) to try to reclaim charges that I have occurred via my current account/bank account not a credit card. I received a reply today via an excel sheet with the following columns and I would like to know which columns I can claim the totals back for and which ones I can't:


1) Total cleared transaction charges
2) Total unpaid direct debt charges
3) Total unpaid cheque charges
4) Total unpaid standing order charges
5) Total unauthorised overdraft fees
6) Total cleared transaction charge refunds
7)Total unpaid standing order charges refunds
8) Total unauthorised overdraft fee refunds
9) Total unpaid direct debt charge refunds
10) Total unpaid chaque fee refunds

Im so confused!!!
Many Thanks

2) 3) 4) 5) 7) 8) 9) 10).

you could also take a look at the reclaim bank charges help thread there is a post on there telling you what can be claimed and what cant.

bengal-stripe

Stacey01 wrote: »

6) Total cleared transaction charge refunds
7)Total unpaid standing order charges refunds
8) Total unauthorised overdraft fee refunds
9) Total unpaid direct debt charge refunds
10) Total unpaid chaque fee refunds

I believe those items have been refunded. They were creditet, not deducted.
To each credit there must be a previous deduction, which you cannot claim to be refunded, as it obviously has been done already.

Most likely scenario: You get a charge (bank deducts money), you complain, the bank agrees with you and refunds the charge (bank puts that same amount back). One wipes out the other, as if it had never occurred.

lindilou39

now that will teach me to read questions properly lol

Stacey01_2

So does this mean I can't claim any back? From my knowledge they have only ever refunded one charge when I rang up to complain.

Thankyou