Bank Charge Reclaim - Do I include monthly 'Interest Debited'?

dawnep

This is my first ever post on MSE, so, Hi!

I'm in the process of gathering information for a Bank Charge Reclaim with Halifax. Is it right that I may receive interest on top of the charges? I have collated a list of bank charges on the account, along with a list of the 'Interest debited - notified last month' fees. Do I have to include a list of individual monthly interest charges, or a total of all interest charges for that matter? Or will Halifax calculate this?

I have looked through the Bank Reclaiming Guidelines, MSE Forum AND other external website guides and no answer. If anyone can just give me a concise answer it would be hugely appreciated!

Thank you
Dawn

Nearlyold

Are you talking about charges for not running your account correctly eg unauthorised overdrafts and/or exceeding your overdraft limit, bounced DDs etc? You need to be aware the banks won the court case on this, so unless you are currently in genuine financial hardship and still with Halifax you are virtually certain to be turned down.

dunstonh

I'm in the process of gathering information for a Bank Charge Reclaim with Halifax. Is it right that I may receive interest on top of the charges?

Only on packaged bank account complaints. However, you dont have to demand it or request it. It happens automatically if your complaint is upheld.

If you are requesting bank charges back as being unfair then stop now and dont bother. That ship has long sailed.

If you are requesting a refund as you are in CURRENT financial hardship then you dont demand or request anything or list any charges. The bank will consider your financial position and decide if you are in current hardship and will put together a package of options it decides is appropriate. A refund of some recent charges is one option. A suspension of future charges and interest for a period is another. Or a debt management process with no refunds of any type is another.