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just starting to claim against HBOS

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Hi I have just joined CAG and would appreciate any help or advice from people further along the process. Initially HBOS refunded 2 charges as a good will gesture of £79. I now have my statements for the past 6 years but I am unsure what exactly I can claim. Between 2001 and 2004 there is £749.50 in account maintainance charges, £2180 in excess overdraft charges, £180 in returned direct debit charges and £30 for a returned cheque charge. Between 2004 and 2007 there are charges amounting to £2021. Can I claim all of this back or will it be minus the true cost of the administration for the bank? Any help would be greatly appreciated, thanks!:smile:

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Hi, I dont know if this helps but I am in the middle of a claim against HSBC and am waiting for a court allocation. I made my claim for every charge made against my account as there is no set amount that is supposedly fair set out by OFT or anyone else as far as I know. I think that the basis for a claim is to reclaim everything charged as the banks will not say what it really cost them in administration fees and therefore you are unable to deduct that amount.

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thanks that helps. I will just claim for everything and see what happens. Wish me luck and I will let you know the results!


Hi and welcome monkeylawyer

As thunderbird already said,yes you can claim all of it back.




this link is great as it helps navigating around the site.


If you have any questions then please just ask as there are very many helpful people here that will help you along the way.

So here's wishing you all the best


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:)




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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Welcome to the CAG site.





You've definately taken the first step into claiming back what's rightfully yours.







Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.







Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.







Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.







Good luck with your claim.








Useful links to help with your claim
































A person is only as big as the dream they dare to live.



Good things come to he who waits



Its your money taken unlawfully from your account and you have a legal right to claim it back.

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