Started my claim and have received my statements from RBOS.

Ive totalled my charges and its coming to £3754.

Read through the threads over and over again but still a bit confussed.

Ive read some threads that state I cant claim for Overdraft charges/fees.

Probably an easy answer here but - If i go over my O/D can I claim this too.

On my statements it shows - CHG TO {date} then my A/C number - £28.00

Can this be claimed. Have read them FAQs but some replies on other threads are throwing me off abit

Thanks in Advance.

D

Hi:) Don't worry it can be overwhelming at times.....a HUGE learning curve!!

So, I'm not sure what you are confused about? You can claim back all charges, referral, exceeding o/d limit, returned dd/chq, card misuse fee....all of them. they are all disproportionate and unlawful. It's odd that they haven't stipulated what the CHG £28 actually is, probably exceeding overdraft fee??? but it's definately claimable.

Good luck:)

Wxx

Hi, I've just posted my spreadsheet on my thread and the £28 was a standing charge for me going over my overdraft limit each time. The others were for referral charges and the interest charged on the o/d.

see the summary at http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/36087-sweetrevenge-rbos.html#post339860

Hope this helps

Sweetrevenge

Don't get mad - get even!

Hi,

I'm rather confused too.

Am I able to claim the £0.11 interest that I was charged by BoS for the period I was in an unauthorised overdraft? (I went into this overdraft by my own stupid fault, not due to charges levied to my account).

Thank you

a

no:)

Wxx

Hi:) Don't worry it can be overwhelming at times.....a HUGE learning curve!!

 

So, I'm not sure what you are confused about? You can claim back all charges, referral, exceeding o/d limit, returned dd/chq, card misuse fee....all of them. they are all disproportionate and unlawful. It's odd that they haven't stipulated what the CHG £28 actually is, probably exceeding overdraft fee??? but it's definately claimable.

 

Good luck:)

 

Wxx

Yep - Sound like thats what the £28 is for. Phew as I'd had included this in my calculation earlier.

Cheers

Could be a good xmas/beginning of year.

Hi, I've just posted my spreadsheet on my thread and the £28 was a standing charge for me going over my overdraft limit each time. The others were for referral charges and the interest charged on the o/d.

 

see the summary at http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/36087-sweetrevenge-rbos.html#post339860

 

Hope this helps

 

Sweetrevenge

 

Don't get mad - get even!

Looking at your summary - youve added 33.7% interest. Can I do that - where do u get that figure from. Interest would add a good bit onto my claim.

no:)

 

Wxx

ah well. was worth a try anyway...thanks!

That's ok:) I claimed and won overdraft inerest, but it was ONLY interest applied to my account when the o/d consisted completely of unfair charges. You have to do some working out but it may be worth it (over £500 to me;) )

Anyway wheresmedoughgone (love the name!!) if you are contemplating claiming contractual interest which is what SweetRevenge is doing then read up a little first so that you are completely sure of what you're doing. here's a thread that may help you....

http://www.consumeractiongroup.co.uk/forum/barclaycard/22690-contractual-interest.html

It's important to understand that (and it has only just sunk in recently with myself) contractual interest wether it be unauthorised or authorised is one thing but to claim compounded contractual interest is another. Compounding is the method which banks use to apply their rate of interest. Keep that in mind when you decide what to do.

Wxx