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Hi ,just joined this site today, still exploring, found an amazing amount of information already. Have already sent my first letter requesting information and have received six years of statements. Am a little confused about what charges to add up. When our account began spinning out of control we asked for an overdraft from the bank to cover direct debits that were coming out before wages went in and they refused. So have no interest on overdraft a/c to calculate, but plenty of referrel charges at £14.00 and unpaid D/D's at £38.00 and letter fees at £13.00. And also in 2001 this banks refferel charge was £9, do i claim that back even though it is under the legal £12.00 (if it is legal) so unsure about all this.........HELP

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Guest ian cognito

Hi and welcome.


The OFT report said that £12 what the point at which they would intervene, not that this was to be taken to reflect the cost, which a penalty charge must do, so yes, you can claim back that referral fee as their costs are likely to be much lower.


Good luck

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