Re-claiming charges

[jeanette1976]

Where do i look for the charges on my Barclays statements. They gave me 7 years worth including the period that I was a skint student but the lay out is really difficult to understand and apparently all over the place.

It appears on one occasion that I went nearly a �100 past my overdraft limit and yet it looks as though i wasn't charged... other than that, i can't seem to make out any charges!!! But they MUST have, one of my debts bounced 3 times in one month!!!!!

[DottyH]

look at the abbreviations against each tranaction, suss out what they mean from the key on the statement, then highlight with flourescent marker any that say CHG or FEE and use the link to the site on the other thread on here. But remember, if they refunded the CHG at the time you can't claim again.

[whiskeysheri]

Hi, jeanette!

If you look here:
http://www.moneysavingexpert.com/reclaim/bank- charges

This part might help you:
http://www.moneysavingexpert.com/reclaim/bank- charges#step2

:o) x

[Uzoma]

It's worth remembering as well that the charges tend to come out on the same date every month, also for the same amount each time. So it helps to look out for �20 on the first of each month as a deduction, for example.

[ookie10]

you need to look on your statements for "paid referral". this will indicate what the overdraft charge was at that time. make sure you take a photocopy for your records and the one you send hightlight those lines. on your statement for the interest charges it will either indicate "commission charged or int chg"

With regards to going over �100 past your overdraft, sometimes the bank allows what is known as an anticipatory limit where it allows you to go over and above your actual limit but you would eventually incur charges, if you haven't, then you are one of the lucky ones ! hope this helps.

[erimus1]

Hi just a note for your claim. They have provided you with 7 years, so make your claim to include all 7 years and not the Statutory limit of 6. What most people are not realising is that in order for the finance institution to argue the amounts or the overreach of the 6 year limitation, they would have to defend.

I also added ancillary losses of �250 to my claim, which I substantiated as being traveling, phone calls and mental trauma. I got this also!

Good luck.