Hi All
Okay, I have been reading around this site for the past few days and am now ready to send a preliminary letter for refund (no need to send Data Protection Act letter as I have access to my statements via internet banking). HOWEVER, after having looked through my statements for the past 6 years, I AM NOT SURE EXACTLY WHICH CHARGES I CAN CLAIM FOR.
My queries therefore (which I could not find on FAQs) are:
1). Can I claim for charges applied to my acoount due to 'card misuse'?
2). Can I claim for overdraft fees (in my case, of the four times in 6 yrs I have been charged OD fees, I have been charged £25 OD Fee and £75 Excess OD Fee, both fees applied to my account on the SAME DAY!!! If I am overdrawn, I don't understand why they must charge me twice although I'm begining to realise that it's all part of their money making [problem] ....)
3). WHAT ARE 'TOTAL CHARGES'? I appear to have been charged 'total charges' on several occassions IN ADDITION to the individual charges applied to my account in the same month. Can I claim back total charges as well??
Please help!!!! I don't want to over-claim or under-claim.
Thank you.