A little advice on charges guide

I am posting in all bank forums on a guide that I asked initially for help on the Bank Workers section. I hope to get a guide together on each bank forum on the charges and their changes over the last 6 years. So can you help me to help the Moderators and site helpers on the site with an easy access guide to penalty charges. I need to know amounts and charge over the last 6 years.

This thread is a research thread so I can collate all the charges into one single thread to help newbies and this site to calculate their charges as quickly as possible.

Thanks in Advance for your help

Any help please pretty please with sugar on top!!

[ian cognito]

Alliance & Leicester

2004 (sorry can't go any further back)

Paid item charge £25
Failed direct debit/standing order charge £30
Unauthorised overdraft charge £25

2005
Failed Direct Debit charge £34
Unauthorised overdraft charge £25
Paid item charge £25

2006
No change

Top banana!

Thanks Jan for your help but 2000- 2003 for A &L?

[caro]

This will be a really useful tool for the users on this forum and all the others, so please help NWSM. For those of you who don't know him, he is really quite nice, so don't be put off by the name!

Thanks for the help Natty

[Lil]

hi nwsm
heres a few i had, hope it helps;
July 2001 Unpaid cheque charge £27.50

June 2002 paid item charge £25.00
Sept 2002 Failed DD charge £29.50

April 2003 Failed DD charge £29.50
June 2003 Failed cheque charge £29.50

April 2004 Paid item charge £25.00
July 2004 Failed DD charge £29.50
Nov 2004 Failed DD Charge £30.00

Nov 2005 Failed DD charge £34.00

Feb 2006 Failed DD charge £34.00
June 2006 Paid item charge £25.00

Think they charge what they feel at the time by the looks of it!!!! Keep up the good work!!

Thanks, that very good info

[nackers]

I have to say having just done mine the A&L charges are very confusing when you get back to 2004 and before. It seems to be £25 monthly OD charge and £29.50 failed cheque on mine before June 2004 and as above thereafter.

[spotton]

I will look up my A&L charges for you. Should make good reading for a bank worker!

[spotton]

Where does the term 'penalty charge' come from? Are they meant as a punishment meted out to those who, for whatever reason, do not keep their accounts in order? I thought the banks argument was that these charges cover administration costs'. Why, then, penalty?

[LeeS80]

HSBC 2001:

Recall £28.00
Total Charges £27.50

HSBC 2002:

Recall £30.00
Total Charges £27.50
Card Misuse £30.00

HSBC 2003:

Unpaid Item £30.00
Total Charges £18.00 - don't know what happened there!!

[SHERLOCK]

Alliance & Leicester DD Charge 2001: £25.00...... cheap as chips

SHERLOCK

[TAGAMISAN]

I have a failed direct debit charge 16th Nov 2000 £27.50.

well as you know claim it back

[willett]

can any one please help i started going through the process of retreiving my bank charges and have just received a letter from a&l saying in so many words no can do. that was the LBA. SO NOW ITS GOING TO AS FAR AS COURT BUT I HAVE GONE THROUGH THE COURT BUNDLE AND DONT NO WHERE TO START can any one point me in the right direction and where to start first. my son deleted all my emails just before christmas so i have gone on to this thread i hope its not a problem because i dont knoww where i was its such a big site.

Have you filed a claim online yet? if not then you need to go and start the process of suing them

[willett]

No not yet was'nt sure what i had to do first. I no this may sound stupid but how do i do that im not the brightest of people and its took me quite a lot to get this far so am amazed at myself any help and advice you could give me would be very much appreciated thanks

Ok willett, have you got a live thread on the forum? What you need to do is re read the step by step instructions again in the bit that relates to making a claim.

[j.barton1]

Hi, I don't know if you're still interested in this. I've got figures to 2000.
un auth o/d £3.50 per day to a max of £52.50
failed dd £10.00 or £27.50 depends on value of dd
failed chq £10.00 or £27.50 depends on value of chq

Jenny