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entickbowen
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Hi all! I am just starting out and am a bit confused what charges i can claim back. On my statements there are charges for the following

 

* unarranged borrowing fee

* Paid referral

* Service fee

* Charges date-A/C ******** £38.00

* Card misuse

* Unpaid items

* Referral charge for august

Can i claim for all of these? I guess the one i have done in red i can't claim for as i guess these are some kind of charges for overdraft?

Please help this all seems too confusing!

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As far as I can see, you can claim them all. The one in red looks like a standard fee, if it were an interest charge then that is different.

 

Which bank is it?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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It is with Natwest. No it's definatly not interest charges as that is displayed differently on my statements so what i can work out so far then is i'm owed from our joint account £1181.05 and my sole account £978!!!!

 

I hope this is right! It seems a bit too simple!

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In that case, send off the preliminary letter and look forward to receiving your refund.

 

It is simple, just follow the steps here

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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* unarranged borrowing fee *Yes*

* Paid referral *Yes*

* Service fee *Not Sure, did you actually receive a service?*

* Charges date-A/C ******** £38.00 *Yes*

* Card misuse *Yes*

* Unpaid items *Yes*

* Referral charge for august *Yes*

 

I hope this helps

 

Y

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

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I have my statements in front of me and the wording for charges differs - They say unpaid D/D, paid referal fees, unarrgd borrow fee, charges and referal charges. As far as I am concerned they are all charges so I have claimed them all back? Hope this helps.

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You will have to edit it for your own purposes, it will require some tweaking here and there.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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