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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
All of them love, apart from the obvious standard monthly fee. So, referral charges, unauthorised overdraft fee (going over limit), returned chq and dd charges etc....and if these charges have made you go overdrawn in the first place, you can claim the interest charged back also.
I have sent off the Data Protection letter with cheque to ask for statements etc from RBOS and obviously have to wait for their repsponse. Please can anyone tell me what exact charges i can claim for. I know i can claim for being overcharged for direct debits, standings orders but is there anthing else? Can i claim for fees charged for being over my overdraft limit or for cheques being return etc ? Just want to be prepared for when they answer. Or is there anything on this site i can read that would help. Thanks.
Having just done this I can tell you precisely what to look for on the RBOS statements.
In the "Particulars" column on the left of the page look for anything that begins "CHG" (rather obviously) however, sometimes the fees for certain types of accounts, for example Royalties Gold can sometimes be lumped together with additional charges. One of my statements looked something like this.
Particulars
BALANCE FORWARD
INT TO 28FEB A/C 00000000 11.83
CHG TO 28FEB A/C 00000000 30.00
CHG TO 28FEB A/C 00000000 14.58
CHG UNPAID ITEM(S)
CHQ
CHG UNPAID ITEM(S)
D/D
CHG UNPAID ITEM(S)
S/O
CHG CARD MISUSE
You claim the amount in the "withdrawn" column but with reference to the top entry, INT is the amount of interest charged on the overdraft (if you have one) and cannot be claimed, the second entry, CHG is the charge for the Royalties Gold account (at £10 which it used to be, its now £12) plus £20 of other charges, you can only claim the £20 of other charges. The third entry (again this is only in my case) is for overdraft loanguard cover, which again cannot be claimed.
All the UNPAID ITEM charges can be claimed allong with REFERRAL CHARGE which should also be preceeded with the prefix CHG printed in the left hand column.
Hope this is helpful and not to obvious!
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
INT is the amount of interest charged on the overdraft (if you have one) and cannot be claimed
Hi Hagenuk, I think that this can be claimed back IF the charges have put the customer into overdraft in the first place.....this means cross referencing statements, which I did, to actually find this out. I think some people don't bother but in my opinion, the banks are charging interest on overdrafts which, if were caused by unfair penalty charges should rightfully be reclaimed.
And, as for separating their charges, like taking the std fee of £12 away from the account charge, why? they didn't bother separating it when they charged you! How are you supposed to know that they are two separate charges? I think they'd have a tough time trying to justify that infront of a judge!
Hi Hagenuk, I think that this can be claimed back IF the charges have put the customer into overdraft in the first place.....this means cross referencing statements, which I did, to actually find this out. I think some people don't bother but in my opinion, the banks are charging interest on overdrafts which, if were caused by unfair penalty charges should rightfully be reclaimed.
And, as for separating their charges, like taking the std fee of £12 away from the account charge, why? they didn't bother separating it when they charged you! How are you supposed to know that they are two separate charges? I think they'd have a tough time trying to justify that infront of a judge!
But this is just my opinion!
Wxx
Hi WillowB
You are correct on both counts but claiming interest charges can get very complicated and is often not worth the extra work involved for what is a usually a tiny sum, plus it may give the bank a reason to argue.
With regard to the account fees, I have subtracted them from the total charge as I know them to consist of separate charges, a proportion of which I had agreed to (i.e. the Royalties Gold Account fee) and therefore wanted to ensure that the bank have absolutely no wriggle room and as above, absolutely no reason to argue.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
Re: Pauline v's RBOS Question?
fee (going over limit), returned chq and dd charges etc....and if these charges have made you go overdrawn in the first place, you can claim the interest charged back also.
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Originally Posted by unicorn96
