Reclaiming questions (sorry to ask)

shooter

Claiming for items that you cannot claim could jepordise your case as the banks could say that you are after making a profit so I personally wouldn't add anything thats not allowed

If you use a spread sheet and enter all the details correctly then you shouldn't be over estimating and you would only be under if you missed out any charges

I will send you a spread sheet via PM please let me know when you have received it and if you need any help filling it out

shooter

I have sent you an email
I will be back on line for a bit at about 5pm and then again after midnight if you have any questions

GhostHunter_3

Many thanks I have received the email and PM. Speak soon.

Thanks youve been very helpfull.

:beer:

GhostHunter_3

Hi

Hoping someone can help again?

I have some more 'wording' on Lloyds TSB statements I want to check if I can or cannot claim.

On personal accounts:

Overdraft usage fee

Overdraft Interest

Unauthorised Borrowing Fee

CAIS COLL AC

ATM Owner fee

Account charge *which appears to have been £4 each month or there abouts).


Business account:

CHG Refund of interest

Charges (between certain indicated dates).

Unauthorised Borrowing Fee

Soulutions Charge £82.25 (this may be a monthly 'Business Solutions' item)

Bus Focus Fee


Many thanks hope someone can help then I can get them sorted and sent away, then to start on the next batch. Then theres the Credit Cards and the PPI mis-solds :rolleyes:

GhostHunter_3

Hi

Thanks to some helpful folk on here I am nearing completion of my bank charges reclaim for Lloyds TSB accounts and although I have done most of it some entries still stand out and I am unsure if I can claim for these and hoped someone could claritfy which ones I can and cant claim for below.


Personal accounts

Account charge (usually £4 wondered if linked to service as appears regularly?)

Overdraft usage fee
Overdraft interest

Unauthorised borrowing fee

CAIS coll AC

ATM Owner fee

Business account

CHG Refund of Interest

Charges (then it lists certain period dates between)

Unauthorised borrowing fee

Solutions Charge

Bus focus fee


Then its just a case of adding it all up sticking it in the calculator puting the final figure into the letter and off to the post office I go! 1 down another 5 to go!

Many thanks.

shooter

GhostHunter wrote: »

Hi

Thanks to some helpful folk on here I am nearing completion of my bank charges reclaim for Lloyds TSB accounts and although I have done most of it some entries still stand out and I am unsure if I can claim for these and hoped someone could claritfy which ones I can and cant claim for below.


Personal accounts

Account charge (usually £4 wondered if linked to service as appears regularly?) cannot claim

Overdraft usage fee can claim
Overdraft interest Can claim if claiming compound interest if not hen you cannot claim

Unauthorised borrowing fee can claim

CAIS coll AC don't know what this is!

ATM Owner fee cannot claim

Business account

CHG Refund of Interest Cannot claim as this is money they have already given you!!

Charges (then it lists certain period dates between)

Unauthorised borrowing fee Can claim

Solutions Charge Don't know what this is but sounds like it's something that you can claim

Bus focus fee Still don't know what this is!!


Then its just a case of adding it all up sticking it in the calculator puting the final figure into the letter and off to the post office I go! 1 down another 5 to go!

Many thanks.

Hi

which calculator have you decided to use?

It may be worth calling your branch and asking for an explanation
of

CAIS coll AC
Bus Focus Fee
Solutions Charge

Then paste what they say on here and we'll help you.

Don't forget to keep your buisness and personal account claims seperate. When you get to the court stage put BUISNESS ACCOUNT CHARGES RECLAIM at the top so that it doesn't get stayed. At the moment ALL personal account reclaims are being stayed.

Do you qualify under Hardship rules ?
Read this thread to see

http://www.legalbeagles.info/forums/showthread.php?t=9760

Paste 78 gives you the details

goodluck and don't worry about asking more questions

GhostHunter_3

Thanks for the advice. I dont think I can claim for the Solutions item as it was I recall linked to the Business Banking account (Business Solutions) shame as its for around £82. Never mind musnt be too greedy hey?

The charges for certain periods are usually in monthly batches (eg 2july - 1Aug) so assume theyre what I have paid for returns etc?

Reguarding the calculators I havent used any yet thats my next step once I have a final figure from all these adding ups.

Not sure what is meant by "Can claim Overdraft interest if claiming compound interest" what's compound interest and should I claim it or the alternative (whatever that be)?

Its getting confusing lol

Thanks Ill get there with your help!

shooter

Hi below are some very interesting thread for you to read that will help you

Buisness account reclaiming
http://forums.moneysavingexpert.com/showthread.html?t=270122&highlight=buisness+account+reclaiming

http://www.consumeractiongroup.co.uk/forum/business-claims-bank-charges/

Interest tutorial that will help you decide which one to claim
http://www.consumeractiongroup.co.uk/forum/bank-templates-library/145027-interest-tutorial.html


A great success story with a twist, also contains the calculator that I have used in my claims.
http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/26172-mindzai-lucid-lloyds-tsb.html

GhostHunter_3

Thank you :beer:

shooter

How you getting on?
Don't forget were here to help if you need