Hi everyone.

Could somone help? Ive just gotr all my statements for the last six years and i think i know which charges i can claim back.

But there is a charge i get every month (example below)

INT TO 23 nov-A/C ******** 35:29

CHG TO 23 nov-A/C ******** 40:00

Now i know that i cannott claim the interest, but what is this other charge, and does anyone know if i can claim it back? It ammounts to a very large portion of possible claim.

I initially thought it was a maintenance fee but now im not so sure.

If anyone could help i would really apprecuiate it.

Hi everyone.

Could somone help? Ive just gotr all my statements for the last six years and i think i know which charges i can claim back.

But there is a charge i get every month (example below)

 

 

INT TO 23 nov-A/C ******** 35:29

CHG TO 23 nov-A/C ******** 40:00

 

Now i know that i cannott claim the interest, but what is this other charge, and does anyone know if i can claim it back? It ammounts to a very large portion of possible claim.

 

I initially thought it was a maintenance fee but now im not so sure.

 

If anyone could help i would really apprecuiate it.

looks to me like CHG = Charge ... dunno what for (poss returned d/debit cheque over limit etc, etc) The Int is obviously interest & you are able to claim back a portion of this if you've been paying interest on the charges.

Is this a bank account? I would have thought £40.00 per month is far too steep for a maintainance charge ... if in doubt the best bet is to ring your bank & ask ... but looks a bit steep to me whatever it is!

If/When you decide to claim interest on charges, there are spreadsheets for you to enter on your details which calculate this portion for you. There are some on here & also on varios user signatures for example ... Vampiress has a full set he maintains on google & Mindzai has one for use on bank accounts ... Hope this info helps a little

Good Luck

Thanks for replying. The two chargs are put on the statement every month at the same time and both vary in ammount. But as i have been permenently o/d can i still laim this back. It looks like a charge for going over the agreed o/d. What do you think

Thanks for replying. The two chargs are put on the statement every month at the same time and both vary in ammount. But as i have been permenently o/d can i still laim this back. It looks like a charge for going over the agreed o/d. What do you think

Yup you can deffo claim it ... the point is that surely it does not cost the bank £40.00 just because you go over your credit limit so they are basically making a profit from this ... therefore the charge is unlawful ... The interest they charge should more than cover their costs.

Go for it!

Thanks . But if i claim for this and all the others, and it goes to court, if this one part of claim is not allowed would the court then find in favour of the bank, and throw the lot out including all the d/ds and o/d fees etc?

Thanks . But if i claim for this and all the others, and it goes to court, if this one part of claim is not allowed would the court then find in favour of the bank, and throw the lot out including all the d/ds and o/d fees etc?

What do you mean ... 'not allowed'? Do you mean you are not allowed to claim it back?:-?

What i mean if it is found at the court that i should not have claimed for one particular charge, do they then throw out all the other bonafide cgarges with it?

What i mean if it is found at the court that i should not have claimed for one particular charge, do they then throw out all the other bonafide cgarges with it?

No they will just omit the charge they dont agree with. yo uhave 2 threads for the same question.

Yes i know just started in forum got confused. Many thanks lively lad youve been a great help. Must get cracking with the 1st letter.

I'm sorry you guys but I win the prize for knowing that the £40 is unarranged borrowing(or going over the limit) £28 and guess what you have a Royalties Gold account which you pay £12 a month for.

No Bank charges £40 to return an item, highest charge for this is actually Halifax at £39 a pop.

I'm sorry you guys but I win the prize for knowing that the £40 is unarranged borrowing(or going over the limit) £28 and guess what you have a Royalties Gold account which you pay £12 a month for.

No Bank charges £40 to return an item, highest charge for this is actually Halifax at £39 a pop.

Thanks for this, youare right. So does this mean i can claim back the £28 portion of the charge

Yes

Saga continues.

Thanks for your help natweststaffmember Ive taken your advice and entered all the charges LESS th£12 account costs Fine.

But after going back into earlier years ave found that the charge varies from 5, 7:50, 25, and thirty pounds. So there are three charges less than the £12 for the account.

What do i do? Shall i just enter the full ammount into the spreadsheet and leave it to the bank to worry about it?

Please help before i have serious brain malfunction!

I have a feeling that the £25 is an unlawful charge not linked to the royalties Gold and the £30 as well, when and what year was it debited and the narrative on the statement

The cheapest £5 was back in 2002 and varied inthat year up to 20 and 25. The labelling was always the same as per my earlier post ie:

CHG to 22dec A/C******* £5

It is always just under the interest for that month line.

Every month on the same day ie 21st the charge is applied on next line from interest.

I 1st thought it must be a standard charge to account but i cannott see why it varies. I still get all the other charges as well unpaid items, referal charges, card misuse etc.

That one is a service fee for the royalties account. I will see if I can wake up lively or an alternative is t4ff I think that is the name as he seems to have a good understanding of the charges for RBS

Thanks I really appreciate that

No probs maybe worth a correlation on charges and RBS, me thinks a new thread is in the offing soon.

Ill wait till i here from you but one other thought, couldnt i just include the full amount on to my claim and let the bank pick through it? Or would this jeopordise my entire claim?

Dagrat did you start with a basic or interest paying current account and then upgrade to a royalties account? If so this could be why the charges go from variable (ie. penalties directly related to an unauthorised overdraft amount) to charges which don't vary at £40, which is definately £28 unlawful charge + £12 account fee.

Bingo!!!!

Yes sweetrevenge your dead right. Ive just looked at my statements and in 2001 iit is a Royalty account and recent years it is a Royaltys gold account.

That would explan the difference, but what can i claim back.

The account changed from Royalties to Royalties Gold in aug 2003. When it was just a royalties account the charge varied from aminimum of £5 to £20 and even £25. Do you think that the service charge for the account when it was just royalty was £5 and when it changed to Royalty gold in 2003 the account fee became £12?

If this is the case do i claim Charge less £5 for pre 2003

Charge less £12 for post 2003 ?

just checked all statements and this charge is as follows:

00-01 all £20 charges except for one £5 charge

01-02 all £25 charges except for one £20 and one £5

02-03 all £25 charges except for two at £5

03-04 all £30 charges except for one £25 and one £7:74 (bizzaro!)

04-05 all between £30, £38 and£40

05-06 all £40

ANY IDEAS (going mad)

I created a whole thread on these charges and how to work them out, you can find it here. This should help you calculate these charges. Anything you can't account for, add it to your claim. My claim was settled no arguments using this process.

Hope this is of help.

__________________

Stuck with RBS charges?

Click here!!

Settled

RBS1 £2794

RBS2 £503

Halifax Credit Card £498.14

Still to Settle

Barclaycard Est£180

just checked all statements and this charge is as follows:

 

00-01 all £20 charges except for one £5 charge

01-02 all £25 charges except for one £20 and one £5

02-03 all £25 charges except for two at £5

03-04 all £30 charges except for one £25 and one £7:74 (bizzaro!)

04-05 all between £30, £38 and£40

05-06 all £40

 

ANY IDEAS (going mad)

Thanks T4FF great help particularly the spreadsheet.

But still have problem with this charge. Ifeel sure that the charge as £5 for the royalty account because that was the lowest amount.

But when i changed to royalty gold in aug 2003 there were still the odd £5 in with the larger amounts. Also i know that the charge is now £12 for the royalty gold but what was it the other years?

Please help