A&L Claim.... what can I claim?

[Ladybanana]

Hi... Please help I am very confused about 'Overdraft charges', these were applied to my account every month as a charge for using the overdraft facility. Can I claim these back?
Also the 2 accounts I had,both were closed in 2004, if I add the 8% interest at the court stage, which I am about to start do I add it to date or to the date the account was closed?
Very

[hedgey06]

Overdraft charges are difficult to calculate. If you have an authorised overdraft, part of the interest they charge you monthly is a legitimate fee for the overdraft.

You can only reclaim the portion of interest that's applied to any charges that take you over your overdraft (e.g, £1K overdraft - charge sends you over by £38 - overdraft interest applied of approx. £20 - you work out how much of the £20 is because of the £308 charge). Of course, if you didn't have an authorised overdraft - it's simple to calculate as you just reclaim the whole amount!!

If you've downloaded one of the correct interest calculation sheets for your schedule of charges - this is worked out for you.

The 8% interest is calculated up to the date you file the claim at court - and accrues at a certain amount per day dependant upon how much you're reclaiming.