what charges can I actually claim?

[babblerx]

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

[Trojan1401]

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".

[dar£n]

hi, on your statements you will find:

UNAUTH O/D FEE.

UNPAIDS OUT

PAID REFERRAL FEE

 

Ranging from £20 - £35.

[caul1234]

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.

[dar£n]

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

[caul1234]

Thanks for your help that's great I will go back to the statements I should be able to claim more.