Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    The Pigeon Novitiate



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    Default Those 10 Charges that are withdrawn a month later...

    Are these reclaimable? I was looking through this thread of what is/isn't reclaimable (http://www.consumeractiongroup.co.uk...l-charges.html) and I couldn't see anything about these regular 10 charges?

    They appear in the same format all the time. E.g. on January 3 this year, it read on my statement: CHG TO 18DEC A/C 1*0*9*2* - 10.00.

    They seem to be charges for going overdrawn, usually by a few quid


  2. #2
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    Default Re: Those 10 Charges that are withdrawn a month later...

    Hi Pigeon,

    yes! I successfully claimed these 10 charges, mine read just as you describe, CHG TO 'DATE' A/C ....once a month and they were for going overdrawn. Just waiting for payment now!

    good luck with your claim!


  3. #3
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    Default Re: Those 10 Charges that are withdrawn a month later...

    Are these not Royalties account charges?

    You shouldn't be claiming them if they are. What sort of account have you got? Any insight into exactly WHAT the 10 is being charged for?

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  4. #4
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    Default Re: Those 10 Charges that are withdrawn a month later...

    Cheers stitch!

    T4FF - Current account mate, like I said in the first post, they seem to be for going overdrawn on a certain date, with the charge following the month after.


  5. #5
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    Default Re: Those 10 Charges that are withdrawn a month later...

    Yeah I know you mentioned it first time round. I was querying though because I don't seem to recall ever having these myself nor are they listed on lively's list of charges. This led me to believe your account might be slightly different (ie a student account or summat) or that whilst it LOOKED like it was for overdrafts it was possibly for something else (especially as you called them "regular charges" as an od charge wouldn't be "regular" per se).

    I did used to be charged for being overdrawn but it wasn't a tenner! More like 30 quid! Still a bit confused by this charge but if you two are happy it is an overdraft charge then yes, as stitch has already said they are claimable.

    Just double checking for your benefit pidg, no harm in that

    Perhaps it would be of benefit to the site if someone was to query with the bank what the 10 was for specifically then post it up in lively's post, the bank aren't going to keep this information from you. Any volunteers?

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  6. #6
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    stitch05 Novitiate



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    Default Re: Those 10 Charges that are withdrawn a month later...

    hi, just thought I would add....my account is a student account with free overdraft. The 10 charge is only applied when I go over my agreed overdraft limit....usually because of charges.

    This happens only few times a year, so its not a regular charge. I claimed it because without the charges for unpaid direct debts etc..I would not have gone over my overdraft limit so would not have had this 10 charge applied.

    I included these charges with my recent claim, which was successful!

    ... sorry if I have caused confusion!!. ....but on my bank statements, this charge is exactly how Pigeon described ie...CHG TO 18DEC A/C - 10.00.

    Hope that clears things up a bit!!

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