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Hello all in the forum,this is my first time so do forgive me if i seem a little naive but here goes.I am trying to help my son out of a little money trouble and by using Martin Lewis(moneysaving expert)i am going to try and get back bank charges.Could anyone in the forum please advise me.The bank have made charges of several types of between £3.0 and £90.00 over 5.5years(these charges dont include interest on overdrafts).Which charges can i claim on as some dont give a reason like - referal charge or wrongly used card.GRATEULL for any advice.
I am trying to help my son out of a little money trouble and by using Martin Lewis(moneysaving expert)
The Consumer Action Group has no connection with Martin Lewis.
I would advise you to make a choice which path you want to follow but follow that path from start to finish. Don't jump from one to the other as procedures are not exactly the same.
Good luck.
Regards, Rooster.
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Hello again.Thanks so far.The bank is RBS.I found out about this procedure from Martin Lewis on his website.I have decided to follow the Consumer Action Group.I will be in touch again soon.
good evening all in the forum.Another question related to types of charges.There are so many charges of different typesin the bank i am up against(but not on my own).Some have labels some not and over 5.5 years there are hundreds of them.Would it be a reasonable tactic to simply add up all the charges and clain them from the bank as a starting point.
I think on RBS t4ff is a good source of info as well as Livelylad and I think the claimers are there to help as well. I would start a new thread in the RBS thread and all the help you will need will come flooding in. Good Luck
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good evening all in the forum.Another question related to types of charges.There are so many charges of different typesin the bank i am up against(but not on my own).Some have labels some not and over 5.5 years there are hundreds of them.Would it be a reasonable tactic to simply add up all the charges and clain them from the bank as a starting point.
Hey KD. Welcome and good luck!
As a starting point, my post on charges should be able to clear this up for you. Will find a link here. Any futher questions, whack them in your thread and someone will be able to help.
Quick response - adding them all up wouldn't be advisable. Need to start by differentiating between was is an agreed charge (ie a service that has been agreed to by your son like a royalties charge). That post should give you an explanation on how to do that.
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Try again.Hello all just a few notes that i hope helps me and any readers.My bank charges seem to come in all shapes and sizes so i have tried to identify them and in defining them comment on whether they can be re-claimed.So here goes-
1.Monthly charges (more than one in each month)of between £3-£6.I think that these were for a fee for setting up an authorised overdraft so i dont think i would get these back.
2.Monthly charges of between £11 and £35 FOR UNORTHORISED OVERDRAFTS SO CAN BE RE-CLAIMED.
3.Monthly charges of between £20 and £90 FOR REFFERALS SO CAN BE RE-CLAIMED.
4.Two different charges that seemed to vary each month,the first for overdraft interest and the second which seemed to be for a overdraft set up fee but seemed to be greater the larger the overdraft!Now i would like to argue a case for claiming back some if not all of these charges because my overdraft was never anything like the amount that i have been charged over the last 5.5 years but i am prepared to negociate with the BOS on this(any advice would be nice).
5.Occational charges of up yo £35 FOR CARD MISUSE AND UNPAID ITEMS WHICH I THINK I CAN RE-CLAIM.
This is pretty much covered in the thread I directed you to????
You can claim for unauthorised overdrafts, referrals, card misuse, unpaids and overdraft interest (though only the percentage that covers your charges). You cannot claim for loanguard payments or royalties charges.
Again, the second point is covered in the link I sent you.....
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Good afternoon all in the forum.Just a quick note to tell you all of another success.I claimed , 12 working days ago, £2310.20, from the RBS, which was made up of £1981.00 in charges and the rest in overdraft interest.I have today received a letter from the RBS claiming that i was wrong in my complaint and the charges were justified, fair and transparent etc.etc. But after reviewing my case and without admission or liability would offer £1981.00 in full to close the matter.This only leaves £400 in interest charges for overdrafts so i think i may well settle for this. So if it has worked for me then it will work for all, dont give up the fight. This offer was only after my first letter of claim so good luck to all.
kdswan123 introduction and question
on overdrafts).Which charges can i claim on as some dont give a reason like - referal charge or wrongly used card.GRATEULL for any advice.
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Re: kdswan123 introduction and question
Originally Posted by kdswan123
