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Reclaiming Bank Charges


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Hello everyone :),

 

I would like to know, can I make a claim for the added interest the bank has charged to me when I have gone over my my agreed overdarft limit.

 

If the answer to the above is 'Yes' I would also like to know how this added interest can be calculated?

 

Volkswagen

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Guest ChloeJane

Hi there!

 

A useful read might be here.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=6

 

This might make it easier to understand.

 

On the right of that page is links to what to claim for interest and a link to the spreadsheets.

 

The 8% is only added at the filing stage in court - but the links will guide you through more easily for understanding on what you can and cannot claim for overdraft interest.

 

CJ

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I have just had a letter from halifax plc stating that they are declining to reimburse me the £1,800 taken from me over the past 6 years and say that the charges have been applied correctly and will continue to charge me in the same way if I go overdrawn again.

 

What ios the next step?

 

If I go to court, have I a good chance of winning?

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Hi, Margie1958.

 

Your chances of winning are about 100%. Read all the F.A.Q.s and step-by-step Instructions. Your next step is your Letter Before Action which gives them 14 Days to comply with your request after that it's court. Have a look in the Halifax Forum, read a few threads then start one yourself, keep it updated, makes it easier for people to give you help along the way.

 

Best wishes with your claim.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

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  • 3 weeks later...
I have been charged quiet a lot of service fees in the past for the number of cheques lodged etc.

 

Is this type of fee reclaimable.

 

Volkswagen

 

 

Not totally sure what you mean with regards to Service Fee!!

 

Is this what it states alongside the charge??

 

Also, which Bank are you claiming against??

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Not totally sure what you mean with regards to Service Fee!!

 

Is this what it states alongside the charge??

 

Also, which Bank are you claiming against??

 

The bank is Ulster Bank and the statement just reads 'Fee'. The fees are for cheques written, cheques cashed, ATM withdrawls etc.

 

Any help would be appreciated as I am about to put in my claim to the bank.

 

Volkswagen

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