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do I have a chance?

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Hello all,

Over the past four years I've been charged about £500 for going over an agreed overdraft limit - sometimes it was for one day, other times a week and never more than a few pounds over - I was charged between £25 and £35 every time.

I did agree to an overdraft limit, and at the end of the day it was my fault I went over( I was often waiting for cheques to clear, wages to be paid etc etc).

Do I have a right to claim?



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Guest littlesally

Yes, is the short answer


It does not cost the banks £28 + when you go overdrawn. The banks are not allowed to profit from this, so can only charge what it costs them. As they refuse to say the real cost, you can claim all of it back. No-one disputes it costs something, but until they say the cost, they have to pay out.

The banks would rather pay out to the few (relatively speaking) than disclose the true amount as then they would have to stick with that charge for everyone, not just those claiming.

Remember to stick to your time table, keep your thread up to date as it will help others and read the threads.



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What Sally said :)


Also, please start a thread in the section relevant to your bank, you will get any help you need there.


Please please read the FAQs before you begin the process so that you thoroughly understand it.


Best of luck

  • Haha 1


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I'm opening a new account today and have drafted a letter to my current bank.

I'd love to start a thread in the relevant section for my bank, but I don't know how to - I've tried but just get completely lost! - it took me ages to find FAQ's(clicking on faq didn't seem to work).

I'll persevere so as to keep people up to date with my claim.

thanks again,


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Hi chris i would post a link but you haven't said which bank it is so here is a list of all the banks forums we have pick yours and click on 'Start Thread' to start your own thread. http://www.consumeractiongroup.co.uk/forum/bank-action-group-against/ Also to look at the FAQs click on the link in my signature. If at any time you get lost scroll to the top of any screen and click on the large CAG logo in the right hand corner, then scroll down to see every forum on the site.

  • Haha 1

Ex CAG helper ^_^

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