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Bank charges please define Bank jargon


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Hi everyone,

 

I have an account with Smile and would like a little clarification if anyone can assist. On my statements there are charges which are detailed as follows:

DAILY EXCESS CHARG - (various amounts)

SERVICE CHARGE (£15.00)

SUBSCRIPTION (£7.50)

DEBIT INTEREST (various amounts)

The only one I am clear I cannot reclaim is "subscription" which is their phase for the monthly charge I paid for having my account with them, which will be increasing to £10 in Sept. However, Daily excess charge and Service Charge I think relates to my overdraft so can I reclaim both of these of just the Daily Charge?

 

I would very much like to know what this Service charge is all about, what on earth am I paying them £15 to service, isn't the £10 subscription enough. Opps, sorry I just lost myself there. Let me keep to the subject!! The debit Interest what's that all about, is that realting to the overdraft?

 

 

Help <_>

Lloyds TSB: Settled after FO assistance

Co-operative Bank: Settled - Goodwill gesture:)

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Guest NATTIE

I hope this answers your query re what you can claim back.

 

 

Subscription-no

£15 is fair game because it is the charge for exceeding an overdraft and daily excess charge is a yes

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Thanks,

 

But I'm not so sure that's correct!. Where did you check?

 

Nads

Lloyds TSB: Settled after FO assistance

Co-operative Bank: Settled - Goodwill gesture:)

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Sorry, did I read that correctly.

 

Are you saying I CAN claim for both service charge and Daily excess charge? If so ignore my previous reply.

Lloyds TSB: Settled after FO assistance

Co-operative Bank: Settled - Goodwill gesture:)

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