Right, this might get a little long winded because I am still trying to sort it all out in my head at the minute...

Bit of background on myself.

I opened this account for starting life at university. I found, as I know most students do, keeping my finances in order (paying for food and clothes) increasingly difficult and seemed to always end up going over my agreed overdraft limit. I had some personal health problems that caused me to leave university and move home and I took a couple of years to find my feet.

Anyways now I’m back to full health I’m trying to clear up the mess I made.

I’ve applied for and received a record of all charges raised on my BOS Student Account and would like to ask you all a few questions regarding what I am entitled to claim back.

I’m trying to put together a spreadsheet of charges and am not too sure on what I can include and what I cannot.

On many months I appear to have gone over my overdraft limit and subsequently have been charged in the following month a £8.50 ACCOUNT MAINTANENCE CHARGE. Can I add these to the claim as they are under the £12 amount?

Later on in the life of the account, around June 2001, I’ve noticed charges of £20 named EXCESS O/D CHARGE whenever an item has been paid with insufficient funds. I am guessing that these are claimable?

Since 30 August 2002 the overdraft limit on the account was removed and large interest charges started to be levied on the account. In January 2003 my dad entered into correspondence with the bank, on my behalf, and agreed to pay £20 a month towards repaying the overdraft on the account until I myself was in position to take over the repayments myself. They have continued to charge interest on this overdraft and at an amount much higher than the £20 being paid.

Am I able to claim back the interest charges they have levied or ask that they be removed from the account? It is my view that I exceeded the overdraft limits due to the charges applied.

Finally can anyone point me to an example spreadsheet with sample figures and dates so I can begin to work out how to enter all my data?

Argh! My head hurts ;

here you go http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

idoru,

you can claim o/d charges yes however the maintainence charge is a charge for a service and as such is unclaimable. the interest if soley due to charges is claimable hope this helps

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ca aged 2

yes you can claim maintenance charges ,if you did not have your bank charges would you have been overdrawn ,i am claiming £6663 in bank charges then once refunded i will claim back the account maintenance charges,account maintenance is a charge to monitor /look after your account when over your overdraft,so definately in my case ,illegal charges refunded = no maintenance charges

right, cheers.

just filling out the spreadsheets now and will get my accountant parents to go over them ;

some charges are due to my error, others due to the banks charges, so will have to divide them up

some charges are due to my error,

How do you mean 'due to your error'?

I've gone over my overdraft limit do to using my switch card for more than the available funds. But in saying that, they should have just declined the transaction then, shouldn't they?

It doesn't matter whether you think some charges are due to 'your error' or not, they are all unlawful and therefore claimable.

going through some of the paperwork that my dad has kept on file for me and found this:

excerpt from letter dated 17/09/02

"We refer to your overdraft on the above current account with us and in particular to the overriding stipulation that the balance together with interest and charges is repayable on demand at any time.

We hereby give you notice of termination of the Agreement and the requirement that you make payment of the Total Amount Due on the account as set out below. The termination and the requirement for payment will take effect on 29/09/02.

...

Total Amount Due £2,073.44"

I'm now in possesion of complete records for this account and from October 02 till May 04 they charged me interest on this amount while repayments were ongoing. This totaled £1035.91.

Is this legal? And should I request for this to be written off immediately or add it to my charges claim?

Adding up all the charges and the amount thats been repaid since this termination of agreement it effectively cancels out the amount due, and this is even before adding the interest of the charges and possible (if a little cheeky) interest on the repayments that were made...

edit*

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total charges accrued £690.50 , although some of these were over the 5 yr mark :S

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