ohms vs. CO-OP

ohms · 8th November 2006, 10:22

hi everyone, it's great reading about the succeses people have had in claiming their charges back. I've totted up mine from Dec 1994, and it comes to £371.50. The types of charges here are: COMMISSION, DEBIT, ARRANGEMENT FEE, DAILY EXCESS CHARGE, but most of them are marked SERVICE CHARGE.

I'm still not 100% sure which of these I can and cannot claim. Any help would be appreciated.

Thanks!
ohms

phatram · 8th November 2006, 12:15

Good question, I've just received a statement that has a £35 commission fee on it, I haven't a clue what it's for !!
We do have an authorised overdraft but we are within the limit.

ian cognito · 8th November 2006, 13:18

Commission fee is claimable, think they just call it that to throw you off the scent!

Of your OHMS, the arrangement fee is not chargeable as this is a service fee for setting up your overdraft (£15 if I remember correctly and payable annually) also got my doubts about debit? isn't this something you actually paid out? The commission, daily excess charge and service charge are all claimable.

TETSUO · 8th November 2006, 15:27

you can't claim back to 1994 though can you, or can you???

ohms · 30th November 2006, 12:16

Quote:

Originally Posted by Thomper

you can't claim back to 1994 though can you, or can you???

I just got a reply to my first letter, in which the bank say I can't claim back beyond 2000, not only that, but they have put £147 in my bank account "as a gesture of goodwill".
Does anyone know if I can claim before 2000?

On top of this 2 weeks ago, they added another £40 fine to my total, for going overdrawn for 1 day. Cheque didn't clear in time.

Charges from 2000 onwards still come to £442 (including this new charge), although in their letter they say I cannot claim service charges (which make up the bulk of the charges they have laid on me over the years).

If I can't claim service charges, my total claim drops to £162
Should I carry on, or call it a day?

phatram · 30th November 2006, 13:13

What are the service charges for ?

ohms · 30th November 2006, 13:31

Quote:

Originally Posted by phatram

What are the service charges for ?

Some are for a monthly overdraft charge, usually £8 (which most of them are), and others are for exceeding the allowed limit, and can be £15 or £25 (and these always come with a hefty 'Daily Excess Charge').

phatram · 30th November 2006, 13:39

I think you can claim them back, just keep reading through the posts and you will find the answer. I will look and send you the link if I find the answer.
PETITION THE PRIME MINISTER
We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.
WHERE I COME FROM IT'S CALLED ROBBERY!!!!!

phatram · 30th November 2006, 13:44

take a look in here
The beginnings of a charges guide and historic charges

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