I am just about to begin my claim process against HBOS and have just registered on this site.
I was charged £35 for a returned DD and the payee made a charge as well that amounted to £20 - £55 for being over my overdraft limit for less than 24 hours!
Apparently, the DD's, SO's and cheques presented on any particular business day are deducted FIRST before any credits to your account; this is what has happened to me on more than one occassion. Plus each item returned is £35.
Can I claim from HBOS the charges levied by the payee?
IS BIG BUSINESS BAD BUSINESS:confused: