confused re charges

[Cruithnesheila]

At last I have bitten the bullet and decided on action.I have received copies of past statements as the first step of the procedure and am trying to work out what i can and can't claim for.

The easy bit is the charges for card misuse, I've highlighted these and added them up to approx £1800.

The difficult bit is the other charges ,e.g. for Oct2006 they have withdrawn £21.76 which is interest to 9th Oct on account no ----------as well as charge to 9th Oct on the same account for £28.There is also a referral charge for Oct for £30

For Aug 2006 they have withdrawn £20.63 which is interest to 9th Aug as well as charge to 9th Aug of £28. This is on an interest paying current account.My statements are full of these charges.

 

I am confused about whether i can claim for 1./ the interest withdrawn, 2./the charge on the account (which at the moment appears to be £28 per month and 3./the referral charge.

 

The fact is these charges are what have put me into the level of debt I am in. One or two small amounts over the agreed overdraft have crippled me and put me into a spiral which I can't get out of like most others who are trying to reclaim these charges. HELP!!!!!!!!!!!!!!!!!

[Guest NATTIE]

2) Yes and 3) yes, 1) you can claim interest on the charges themselves there is a spreadsheet which i am sure someone later this evening or tomorrow will give the link for. The guys here will get you through this part of the process and you will win.

[Advoc8]

Interest calculation spreadsheets - have a good browse and good read

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

[isidore]

Also, the link in my sig should assist you in breaking down the charges for RBS