Natwest Bank Charge

Viks

I recieved a charge last week of £38 because my account did not have enough money in it. The account didnt go into overdraft as the payment simply bounced. Is this charge re-claimable? I have tried looking at various threads but all seem to discuss a variety of bank charges and so wasnt sure if this was one of them.

Also, if it is, i am surprised banks continue to charge so much even though they have had to pay out so much already!

Orford

Yes it is claimable along with all these:
Card Misuse Fee (Changed to Guaranteed Card Payment Fee)
Cheque Return Fee
Default Notice Fee
Guaranteed Card Payment Fee
Paid Referral
Unarranged Borrowing Fee, now called Maintenance Fee
Unpaid Item Fee

natweststaffmember

To add to this, the banks are not paying out now as there is an OFT test case judgement pending. The bank have as it stand today acted lawfully, that may change when the judgement is delivered.

Viks

Oh right as its only recent and my first ever bank charge should i just wait. Considering i still have another 5 years and 51 weeks to claim? or do i register my claim now?