What exactly can i reclaim??? Please Help

[BECKY X]

Hi all.

 

I am currently in the process of trying to help my parents reclaim all the unlawful bank charges applied to their account.

 

We sent the SAR Letter with the £10 fee which the accepted BUT they have only sent them a summary of charges for 5 years and full bankstatements for the past year. I sent Abbey a letter explaining that the summary of charges was unacceptable and again requested full statements for the past 6 years and not just summaries. My parents received another letter about 1 week later but only to receive a duplicate letter of the one they first received which had enclosed a summary of 5 years and informed them that 1 years full bank statements would be received shortly.

 

I am now planning on sending them another letter explaining their mistake and to AGAIN ask for FULL statements for the 6 years as i had orginally requested.

 

Today they have received the 1 years fulls bank statements as they promised but i have noticed on the statements that not only are there charges but also:

They have charged my parents £20 for an 'unauthorised overdraft' but on the same day they also charges £30 for a 'Paid Item Fee'

So i assume that a direct debit tried to be taken from their account but there was not eneough money in there so abbey paid for the direct debit then charged them £30 to do so which then resulted in their account going overdrawn which then resulted in the £20 unauthorised overdraft fee being applied so in all, my parents have been being chagred £50 for abbey to pay for a direct debit rather then just refusing it and then notifying them in writing that the direct debit had been refused!!

 

My query is can my parents reclaim any of these charges? Either the unauthorised overdraft fee or/and the Paid Item Fee'? It seems that this is their was out of charging you for a refused direct debit and are chargeing you for the direct debit being paid as well as an overdraft fee but the account would never have been overdrawnif they had merely refused the direct debit in the first place as my bank Barclays do.

 

Any info on this matter would gratefully appreciated as i am now unsure what they can actually reclaim ....

[BECKY X]

Hi all.

 

I am currently in the process of trying to help my parents reclaim all the unlawful bank charges applied to their account.

 

We sent the S.A.R - (Subject Access Request) Letter with the £10 fee which the accepted BUT they have only sent them a summary of charges for 5 years and full bankstatements for the past year. I sent Abbey a letter explaining that the summary of charges was unacceptable and again requested full statements for the past 6 years and not just summaries. My parents received another letter about 1 week later but only to receive a duplicate letter of the one they first received which had enclosed a summary of 5 years and informed them that 1 years full bank statements would be received shortly.

 

I am now planning on sending them another letter explaining their mistake and to AGAIN ask for FULL statements for the 6 years as i had orginally requested.

 

Today they have received the 1 years fulls bank statements as they promised but i have noticed on the statements that not only are there charges but also:

They have charged my parents £20 for an 'unauthorised overdraft' but on the same day they also charges £30 for a 'Paid Item Fee'

So i assume that a direct debit tried to be taken from their account but there was not eneough money in there so abbey paid for the direct debit then charged them £30 to do so which then resulted in their account going overdrawn which then resulted in the £20 unauthorised overdraft fee being applied so in all, my parents have been being chagred £50 for abbey to pay for a direct debit rather then just refusing it and then notifying them in writing that the direct debit had been refused!!

 

My query is can my parents reclaim any of these charges? Either the unauthorised overdraft fee or/and the Paid Item Fee'? It seems that this is their was out of charging you for a refused direct debit and are chargeing you for the direct debit being paid as well as an overdraft fee but the account would never have been overdrawnif they had merely refused the direct debit in the first place as my bank Barclays do.

 

Any info on this matter would gratefully appreciated as i am now unsure what they can actually reclaim ....

[BECKY X]

hi all.

 

I am currently in the process of trying to help my parents reclaim all the unlawful bank charges applied to their account.

 

We sent the S.A.R - (Subject Access Request) Letter with the £10 fee which the accepted BUT they have only sent them a summary of charges for 5 years and full bankstatements for the past year. I sent Abbey a letter explaining that the summary of charges was unacceptable and again requested full statements for the past 6 years and not just summaries. My parents received another letter about 1 week later but only to receive a duplicate letter of the one they first received which had enclosed a summary of 5 years and informed them that 1 years full bank statements would be received shortly.

 

I am now planning on sending them another letter explaining their mistake and to AGAIN ask for FULL statements for the 6 years as i had orginally requested.

 

Today they have received the 1 years fulls bank statements as they promised but i have noticed on the statements that not only are there charges but also:

They have charged my parents £20 for an 'unauthorised overdraft' but on the same day they also charges £30 for a 'Paid Item Fee'

So i assume that a direct debit tried to be taken from their account but there was not eneough money in there so abbey paid for the direct debit then charged them £30 to do so which then resulted in their account going overdrawn which then resulted in the £20 unauthorised overdraft fee being applied so in all, my parents have been being chagred £50 for abbey to pay for a direct debit rather then just refusing it and then notifying them in writing that the direct debit had been refused!!

 

My query is can my parents reclaim any of these charges? Either the unauthorised overdraft fee or/and the Paid Item Fee'? It seems that this is their was out of charging you for a refused direct debit and are chargeing you for the direct debit being paid as well as an overdraft fee but the account would never have been overdrawnif they had merely refused the direct debit in the first place as my bank Barclays do.

 

Any info on this matter would gratefully appreciated as i am now unsure what they can actually reclaim ....

[BECKY X]

i all.

 

I am currently in the process of trying to help my parents reclaim all the unlawful bank charges applied to their account.

 

We sent the S.A.R - (Subject Access Request) Letter with the £10 fee which the accepted BUT they have only sent them a summary of charges for 5 years and full bankstatements for the past year. I sent Abbey a letter explaining that the summary of charges was unacceptable and again requested full statements for the past 6 years and not just summaries. My parents received another letter about 1 week later but only to receive a duplicate letter of the one they first received which had enclosed a summary of 5 years and informed them that 1 years full bank statements would be received shortly.

 

I am now planning on sending them another letter explaining their mistake and to AGAIN ask for FULL statements for the 6 years as i had orginally requested.

 

Today they have received the 1 years fulls bank statements as they promised but i have noticed on the statements that not only are there charges but also:

They have charged my parents £20 for an 'unauthorised overdraft' but on the same day they also charges £30 for a 'Paid Item Fee'

So i assume that a direct debit tried to be taken from their account but there was not eneough money in there so abbey paid for the direct debit then charged them £30 to do so which then resulted in their account going overdrawn which then resulted in the £20 unauthorised overdraft fee being applied so in all, my parents have been being chagred £50 for abbey to pay for a direct debit rather then just refusing it and then notifying them in writing that the direct debit had been refused!!

 

My query is can my parents reclaim any of these charges? Either the unauthorised overdraft fee or/and the Paid Item Fee'? It seems that this is their was out of charging you for a refused direct debit and are chargeing you for the direct debit being paid as well as an overdraft fee but the account would never have been overdrawnif they had merely refused the direct debit in the first place as my bank Barclays do.

 

Any info on this matter would gratefully appreciated as i am now unsure what they can actually reclaim ....

[Rooster-UK]

You can claim back all unlawful penalty charges.

It's doubtful if you will get actual copy statements unless you are prepared to pay silly-money per sheet.

You will find that all the information that you ned should be on the summary sheets.

 

I will move this thread into the Abbey Forum where you will get the help that you need.

 

Regards, Rooster.

[Bookworm]

All of it.

[bennyowen]

unauthorised overdraft fee and the Paid Item Fee are classified as penalties for the purpose of claiming back bank charges.

 

Different banks tend to have different description for the same charges. Claim them back.

[MARTIN3030]

Bex -please stick to one thread to avoid confusion for those assisting you.

Looks like you got a reply to your questions !

4 threads merged.

[BECKY X]

Thank you for moving my post to the abbey file, i didnt realise id posted it so many times in so many different places! Each time id posted my query, i was looking in the new threads but could not see my query listed so thought id done something wrong & therefore posted it again.

 

 

 

unauthorised overdraft fee and the Paid Item Fee are classified as penalties for the purpose of claiming back bank charges.

 

Different banks tend to have different description for the same charges. Claim them back.

 

Sorry if i sound i bit dim, but does this mean i can claim BOTH the unauthorised overdraft fee AND the Paid Item fee?

Both are seperate charges made on the account they are not the same charge, but two different charges being applied to my parents account.

One charge for paying the item then the other due to the account going overdrawn due to the paid item being paid.

 

Thanks all for your patience, i assure you that this is the only time and place i will post this query Aand await replies.

[Michael Browne]

but does this mean i can claim BOTH the unauthorised overdraft fee AND the Paid Item fee?

Yes