What charges you can claim

A question about : What charges you can claim

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

Credit Card/Store Cards/Catalogues

Late payment fee
Over limit fee

CANNOT BE CLAIMED

Cash Machine Withdrawal Fees (ATMs)
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts (such as RBS Royalties)
Normal overdraft interest charges

Contractual interest

This is what you see on your bank statements charged by the bank when you go overdrawn. It appears on your statement as 'INTEREST', or 'INT'.

There are normally two different interest rates charged. A lower rate is charged when you are overdrawn, but still within your agreed overdraft limit. Under no circumstances can this interest be reclaimed. There is a higher rate of interest (up to 29.9%) charged when you go over your overdraft limit (unauthorised overdraft). This is a bit trickier to deal with. You cannot claim any of this interest if your spending has caused you to go over your overdraft limit, but you can claim this interest on any bank charges that have caused this. The problem with this is working out the interest only on the charges. It can be difficult to get right, and you have to be very accurate with your figures in case the bank at any stage challenges them. Generally, most people don't claim this interest.

Best answers:

• On my statements I have o/draft Interest and o/draft excess charges. Can I claim for the o/draft excess charges and if so can I add interest to the claim for these?
  Steve
• New thread, as above for what you can and can't claim.
• HI
  I have just received a copy of my statements from rbs. there is a number of referal fee charges varying from £25 to £100 as you state above these can be claimed back also. this is on a business account i had with them. any help would be grateful.
• when reclaiming bank charge, what about FEES?
  ie service fee of Ј6 pe rmonth. Is this reclaimable?
• Only excess charges are claimable, not ongoing fees
• hi
  can i claim back the new temp limit fee for unauthorised od on hsbc account
  thanks guys
• Hi I am a new member so please forgive me for being a bit slow, but can any one help me. I bank with lloyds tsb, and have overdraft usage fee charges, unauthorised overdraft fees. has anyone claimed theese back sucssesfuly. thanks Ian.
• Dear folks,
  I am claiming against LloydsTSB, and their solicitor has informed me that the bank are going to Defend the claim.
  After reviewing the banking charges that I am trying to win back, I see that my claim includes both; Penalty Charges for going over my overdraft limit etc,
  but also Account Service Fees, the fees that automatically comes with the account, and you have to pay the same amount each month (this website suggests that I can't claim for this).
  Have I sabotaged my claim completely, or will I still be able to win back the Penalty Charges only?
  Your help would be appreciated.
• Can you claim back fees on defaulted card / bank accounts?
  I had several credit cards and a HSBC account that I collected lots of charges on. Then defaulted. I have settled all these now with collection agencies (It can be done folks keep going!) but am wondering if I can claim back the charges i paid?
  Thanks.
• Hi all. I am currently backtracking my account statements. Although i am aware that i can claim back overdraft excess fees can i also claim back account charges and overdraft interest? Hope to hear from you.......
• I have had my statements come back from Barclays and I have re calculated the charges BUT my question is.........can i also add on the interest they have charged me on the statements? I know I will be adding a percentage on when alculating but if they hadn't charged me all these fees the interest wouldn't have been so high on my account. So..... can I include the interest charges on my statements when calculating my figures and then also add on a perccentage??
• If the overdraft is made up of charges and not overspending then you can reclaim the interest charged. Please have a read of this post....
  https://forums.moneysavingexpert.com/...7&postcount=10
• Hello hope someone can help i have received copies of my bank statements from first direct. While going through them to total up charges i have got myself confused. Can i claim for the overdraft fee as well as the excess overdraft fee? If anyone can clarify this would be much appreciated many thanks in advance!:confused:
• can you reclaim cleared transaction charges ie a cheque is paid when you dont have enough funds to cover it.
• hi everyone what about excess fees from lloyds , i have alot of those as well as other fees. do these count as well.
• Hi there,
  I'm claiming the excess fees back. I think the only ones you can't claim are the management fees.
• I dont know whether this is in the right place, but i've read all of the MSE advice on the first pages and lots of the posts. My account goes over the arranged overdraft usually every month and as we have two accounts (with HSBC) one current and one bills, we tend to get charged on both. In addition to the account fee(bank a/c plus = Ј12.95 per month) and interest they charge they apply a "Dr charge/ notified fees/charges" on my account of anything between Ј20 and Ј125 per month. Can i claim for this???? or should it just be proportionate to the amount i go overdrawn. What is proportionate???
  Sorry if this is repeated advice and a silly question, but i have looked and looked to try and decifer whether i could claim or not.
  Thanks in advance
  Kaykay
• Just got my charges back from Lloyds. I'm slightly confused as to which charges I should reclaim. Below is is what I think are reclaimable charges.
  Am I correct in thinking this?
  O/DRAFT EXCESS FEE 25.00DR
  UNPAID D/D 27.58DR
  Please help & thanks in advance
  Dreamin
• YES you can claim both of them