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mia vs BOS business banking


miapia
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Hi need some help. Tried to get money back from Bank of Scotland but they refused so now have went to financial ombudsman. The bank owes me under 3000 pounds in charges. Ombudsman got bak to me today stating that the bank has offered me 1280 pounds and he really thinks I should take it.

 

The ombudsman said that please be aware though if you want to claim the full amount that it is only default charges that are in dispute and not service or management fees.

 

Can you claim for excess overdraft fee and availability fee.?

 

Please can someone help.

 

mia:confused:

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i dont think you can reclaim the availability fee, that would be an arrangement fee agreed when you set up an overdraft if i remember right!?

 

You should be able to claim excess overdraft fees though, as these will be penalty charges applied for going over your overdraft.

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hiya. so can i reclaim excess and returns items fee.? dont want to sound daft but if the financial ombudsman is saying i should accept half the amount i asked for is this correct.

 

cheers mia

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yes you should be able to reclaim all charges for returned items, excess fees etc. basically all 'penalty' charges. the only things you can't reclaim are things like your monthly charges (charges for depositing cash/cheques etc) or facility arrangement fees

 

If you are sure it is penalty charges you are reclaiming then go for it!

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