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Hi...! HELP!


bluedog2
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Hi everyone...!

 

I have got my bank statements back and I have done a spreadsheet of my charges...(only the Overdraft Interest/Excess Fees, Unpaid Cheques/Direct Debits...

I am now stuck... can't remember how to go about getting the fees etc back...

Its all the calculations so that you have "£XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX ."

I found the spreadsheet on the forum confusing...(I had already started mine and was just waiting for the Statements to come because I thought there was more charges to come from before October 02... but it was a complete waste of time... (Except that they are still charging me and I have included the new charges).

 

Really, really confused and frustrated... Could someone please help me make sense of the charges that I have to calculate etc...?

Would be grateful if Bankfodder could give me some pointers...

Look forward to any help!

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Hi

Firstly these are the charges you can claim back:

 

Overdraft Excess Fee

Overdraft Usage Fee

Returned Cheques

Unauthorised Borrowing Fee

Unpaid Cheque

Unpaid DDM

Unpaid Direct Debits

Unpaid Items

Unpaid Personal Loan

Unpaid Standing Orders

Unpaid/Returned direct debit

 

You can't claim o/d interest, unless you have used the Advanced spreadsheets to work it out, it's complicated to work out and most people don't bother claiming it.

 

Your next step is to send the Prelim letter:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Have a read of this link, it should help you with the process:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

Good luck, if you have any more questions, just ask.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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