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Can I claim '' ACCOUNT CHARGES'' ??


SNOOPY22
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Hi all

 

just about to total up all the charges and send it with my prelim letter;

 

 

just a quick couple of questions which Im still confused about, which of these can I claim for ;

 

Account Charge - £10 - seems to be same day every month, Im a gold account memeber if that makes any difference so Im just wandering if that payment is for the extras u get with that account type, i.e travel insurance, mobile phone insurance, breakdown cover....

 

Overdraft Usage Fee ??

 

Overdraft Interest ??

 

 

would appreciate any help

 

 

thanks guys & gals

 

 

Snoop

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Hi Snoop / All :)

 

I'm not sure myself about the OD usage fee so if anyone out there knows please help as I'm in the process of calculating my charges too :-| ????

 

I pay an account charge of between £4 -7 each month this is supposed to be for an OD & extras but I'm getting charged £20 a month for OD usage fee too?

 

I do know you can't claim interest back on OD charges but one way round it is to calculate the interest on the money that owe you & ask for that back too!

 

Any unauthorised OD fee you can claim back, unpaid direct debits, cheque or standing order fees. Late charges too can be claimed back.

 

Ta

Tillz

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Hi all

 

just about to total up all the charges and send it with my prelim letter;

 

 

just a quick couple of questions which Im still confused about, which of these can I claim for ;

 

Account Charge - £10 - seems to be same day every month, Im a gold account memeber if that makes any difference so Im just wandering if that payment is for the extras u get with that account type, i.e travel insurance, mobile phone insurance, breakdown cover....

No - thats a perfectly legitimate service charge. If you don't get any benefit out of the perks then tell them you want a normal no-fee current account.

Overdraft Usage Fee ??

Yes.

Overdraft Interest ??

No - unless you work out the proportion which was levied solely as a result of (i.e. on top of) each unlawful charge. Probably not worth the hassle IMO

 

would appreciate any help

 

 

thanks guys & gals

 

 

Snoop

;)

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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