Charges that can be claimed

[monopoly23]

I think it would be a good idea to put a sticky in each bank forum detailing the charges and fees that can be claimed back from their particular bank. So many people don't know which ones they can claim and this would make it easily accessable to them, instead of trawling through other people's threads that may or may not have been answered correctly.

 

Any thoughts?

[monopoly23]

Does anyone have any thoughts on this??

[path_finder]

Don't see any need for that, if people read the FAQs and the guide to reclaiming bank charges http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

it gives all of the information there.

[monopoly23]

I still think it would be easier if there were a list in each banks forum as each bank describes their charges differently.

 

And not everybody reads the faq's! (tut tut)

 

It would be very easily accessable and relevant to each bank.

 

Also, personally I forget where it is that I've seen something, and when it's as important as this, it should be in a more obvious place IMO. It would stop all the clutter of threads asking the same questions.

[Parkvale]

Nat West forum. There is a guide to charges that can and cannot be claimed.

[Michael Browne]

Here's a starter list of the most common, although I'm expect there are others missing :

 

DESCRIPTION OF FEES

 

Abbey

Cleared Transaction (appears on older statements +/-£20)

Paid DD/SO Fee whilst in Overdraft

Unpaid Cheque Fees

Unpaid DD Charges

Unauthorised O/D Fees

Unpaid SO

 

Alliance and Leicester

Failed Cheque Charge

Failed Direct Debit Charge

Monthly Overdraft Charge

Monthly Overdraft Charge

Paid Item Charge

Unauthorised Overdraft Charge

 

Barclays Bank Plc

Paid Referral Fees

Unauthorised O/D Fees

Unpaids Out

 

First Direct

Charge Recall S/O and D/D

Charge Unpaid Items

Excess O/D Fees

Overdraft Fees

Recall S/O and D/D

 

Halifax (Bank of Scotland / HBOS)

Account Maintenance Charge (Changed to "charges as notified")

Interest Debited - Notified previous month

Statement refers to 'Charges as Notified'

Unpaid Cheque

Unpaid DDM

Unpaid Personal Loan

 

HSBC Bank

Card Misuse

Charge: Look Online For Breakdown.

Recall S/0 and D/D

Total Charges

Unpaid Item

 

Lloyds TSB

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

 

Nationwide Building Society

Cheque card misuse fee

Unauthorised Overdraft Fee

Unauthorised regular transfer fee

Unpaid Bill Payment Fee

Unpaid cheque fee

Unpaid DD Fee

Unpaid Standing Order Fee

 

Natwest

Card Misuse Fee (Changed to Guaranteed Card Payment Fee)

Cheque Return Fee

Default Notice Fee

Guaranteed Card Payment Fee

Paid Referral

Unarranged Borrowing Fee

Unpaid Item Fee

 

Royal Bank of Scotland

Charge Card Misuse

Charge Card Misuse Cheque

Charge S/O

Charge to Account (Monthly Charge, On Top Of Other Charges!)

Charge Unpaid Items

Charge Unpaid Items

Referral Fee

Unpaid Items

 

Woolwich

Admin Charge

Unauthorised Overdraft

Unauthorised Debit Card Charge

Unpaid Direct Debit Charge

 

Yorkshire Bank

Card Misuse

Charges (Monthly Charge, On Top Of Other Charges!)

Daily OD Charge

Unpaid Cheque

Unpaid D/D

Unpaid S/O

[rory32]

Thanks Michael for puting that together. Most common one I've found to be misunderstood is maintenance fee, which of course you can claim back because its a fee for the bank sitting on their backside doing hee haw.

[monopoly23]

Thats fantastic Michael. If i see anyone asking what they can claim, I'll just link to your post.

[Parkvale]

Michael i hope one day to shake your hand. Brilliant.

[dave]

http://www.consumeractiongroup.co.uk/wiki/index.php/Guide_to_reclaiming_bank_charges#Step_2_-_Things_You_Can_And_Can.27t_Claim_For

[Parkvale]

Thanks Dave. Have put that in my favourites for future use.

[dave]

Thanks Michael - I have added your list to the wiki, I hope you don't mind.

[jansus]

The list that michael has posted is great - but when I was querying some charges I went to FAQ and step by step and could not find the "paid item charge"

 

I have claimed this but have received differing comments as apparently A&L definitely consider this to be a service (bit dangerous as do they mean the other charges are not?) and have been deducting these from offers.

 

Also a little question - i know there is a running total about finished claims - but would it be too difficult to run a litte chart/graph by each bank forum with details of current cases in court system and cases won each month (numbers not £)

 

I do try checking the successful claims section but as people add lots of coments after each win you cant see when they actually won or at what stage.

 

Probably too much work I know but just feel it would be useful and give encouragement

 

Maybe if people could see this it would encourage them to give you all the details.

 

love this site by the way:-)

 

jansus

[dave]

http://www.consumeractiongroup.co.uk/wiki/index.php/Banks

 

Is the updated list (thanks Me01273) - just click the bank that you want and the list of claimable charges should be listed at the top, along with contact info etc...

[moomoostarstar]

Hi have a business account with HSBC & was wondering does any one know if you can claim for "Charge, arrangement fee" this is a charge added to the account for when the overdraft has been increased at my request. Sometimes this charge can be over £100...

 

Moo:confused:

[monopoly23]

If you have actually been to request the od increase at your bank, they should have told you the charge and it's not reclaimable.

 

On the other hand, if they have just increased it to cover a DD or S/O etc and you didnt request it, then I would claim it.

 

Check out the link in the post above yours.

[Night Owl]

This is such a valuable resource but can the decriptions for charges be updated to take into account the new terminology on statements.

Thanks.

Night Owl

[MilkTrayMan]

One deliberately misleading term that has been on Nationwide Statements for AT LEAST a year now is...

 

INTEREST

 

...Nationwide tend to want to use this word when it really refers to Unauthorised DD Fee.