What charges you can claim

nicholemartini

Hi, are 'failed item' fees included in what can be reclaimed??! I'm not sure what they would fall under on the list, I hope they can! Thanks alot.

jamieT_3

just had a letter from lloyds with a charges sheet from 03/02/09 they have charged me £180 for unplanned overdraft fees and £48 overdraft interest fees also £20 for returned direct debit can i claim this back????

jamieT_3

jamieT wrote: »

just had a letter from lloyds with a charges sheet from 03/02/09 they have charged me £180 for unplanned overdraft fees and £48 overdraft interest fees also £20 for returned direct debit can i claim this back????

can any 1 help?

natweststaffmember

jamieT wrote: »

just had a letter from lloyds with a charges sheet from 03/02/09 they have charged me £180 for unplanned overdraft feesYES and £48 overdraft interest feesNo also £20 for returned direct debitYES can i claim this back????

You can claim back interest on the charges but if the amount quoted above is part of the legitimate interest, then you can't claim all of it back.

natweststaffmember

nicholemartini wrote: »

Hi, are 'failed item' fees included in what can be reclaimed??! I'm not sure what they would fall under on the list, I hope they can! Thanks alot.

They are claimable.

jamieT_3

natweststaffmember wrote: »

They are claimable.

thanks for that ive now sent them a letter asking for a list ect of all charges so will see what they say many thanks

eazy01

How about DEFAULT NOTICE FEE? Can i claim for this? I got these on my accounts back in 2005 when i had to admit to Natwest that i may never be able to dig myself out the debt i'd got into with them. Of course they kept on piling on the charges for years after this -- my debt hasn't changed much...

ashnd

Hello there,

I need help desperately, Natwest has charged me £114 for two unpaid direct debits of £1.14 and £1.15, apparently £38 for each of the two times they were refused. To cut a long story short, I had used Paypal (another totally rubbish institution) to pay for postage online and was under the impression that my current account would be charged, but instead my other account was charged and owing to a lack of funds the direct debit requests were refused. After exchanging bitter words with three separate Natwest employees (including a manager) I was given this address to write to: The Manager, Customer Relations Unit, Natwest,Freepost, NAT12685,London,WD61BR. I sent a letter expressing my disatisfaction and my inability pay the amount but they sent me a letter to say the bank charges were justified and enclosed a copy of banking terms and conditions. The letter then goes on to say that I have the right to refer to the Financial Ombudsman Service, if we haven't reached an agreement within 8 weeks of my first contacting them. I need advice regarding what my next step should be? Any help at all shall be greatly appreciated, as I absolutely cannot bear to be charged £114 for amounts less than £3.

slasherkb

can someone plaese tell me whether you can claim the charges off a personal loan with the halifax.
Thanks

mrwright24

Can any1 help me please.

i had a credit card with lloyds tsb and spent the limit of £2500, i couldnt afford the repayments as i lost my job so i just ignored the letters and 1 million phone calls.

in the end i had enough so i said i would pay them back monthly so the stopped all the charges from after i spoke with them.

but the chrages up til then had taken it to almost £4000.

my question is this can i still claim my charges back even though i have sent up a monthly agreement.

hope for a reply

thanks
craig