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Charges for being overdrawn and missing direct debits


NiallTTC
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A few times over the past couple of years I have gone over my overdraft, and also not had funds to cover a direct debit payments.

 

On these occasions, RBS have seen fit to charge me the following:

 

6-Oct-05 £43.00

7-Nov-05 £43.00

5-Dec-05 £43.00

10-Jan-06 £30.00

9-Jun-08 £30.00

6-Oct-08 £28.00

7-Oct-08 £35.00

5-Nov-08 £28.00

6-Nov-08 £35.00

8-Dec-08 £28.00

5-Jan-09 £28.00

27-Jan-09 £38.00

 

Are these the types of charges I can reclaim? None of these are interest charges or Royalties service charges.

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Hi,

 

Yes, if these charges are unuthorised O/D charges and returned D/D charges, you can claim them back, have a look at the step-by-step............

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Start the process, and take it all the way, stick to your timetable.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sorry for my ignorance, but how can I tell if they are unauthorised?

 

It's when you go over your agreed overdraft ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

 

Have a look at this 'link'..........

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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