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what charges can I actually claim?


babblerx
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Hi people,

 

I've jumped through the first hoop and managed to get my last 6 years bank statement.

 

However, before I start wading through pages and pages of transactions, can anyone tell me what charges I might be entitled to claim back? Am I only entitled to claim back charges for unauthorised overdrafts or can you claim the monthly fee charged by Barclays for running an authorised overdraft?

 

In my case, I have played by Barclays rules and have always maintained an authorised overdraft. Currently, this costs me over £19/month to run (approx. £14 account fee + approx. £5 overdraft protection).

 

Am I entitled to claim any of this back? I am already in the process of setting up a parachute account with Alliance and Leicester which should save me the overdraft admin fees at least.

 

Thanks for your help guys.

Rich

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I'm afraid you can't claim these charges. They are actually account fees. Overdraft protection is effectively PPI so unless mis-sold then you can't reclaim either.

 

Charges for bounced cheques, paid referrals, paid / unpaid dd's, charges for any payments made where there were insufficient funds and any charges applied for exceeding your authorised OD are the "penalty charges".

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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  • 2 weeks later...

Sorry I'm a little confused - I have an overdraft when used back in 2001/2002 I was being charged £5.00 quoted as "Personal overdraft fee" and interest. If I went over the agreed over draft I was charged £20 quoted as "unauthorised overdraft fee" and overdraft interest (which was approx £8 per month)

 

What can I claim back? only the £20 fee or can I claim the excessive interest as well and even the £5 fee?

 

Shame it's only goes back 6 years.

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It is the £20.

When you request the charges back you will ask for just the amount of the charges [e.g 30 x £20]

When you are 'forced' to take court action, you add on 8% for the interest.

 

You CAN claim back 12yrs or further now.

Step-By-Step Instructions

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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