Current account charges

[jon1965]

Hi I have a defaulted current account which has about £400 of charges made up of £30 and £28 fees/overlimit etc.
Can these be reclaimed

My "good friend" OTR (is always telling everyone to get reclaiming) ...in fact it is his stock answer to any debt but would it be possible?

[leclerc]

Re: Current account charges

Hi I have a defaulted current account which has about £400 of charges made up of £30 and £28 fees/overlimit etc.
Can these be reclaimed

My "good friend" OTR (is always telling everyone to get reclaiming) ...in fact it is his stock answer to any debt but would it be possible?

OTR is suggesting using BCOB's which will do diddly squat since overdrafts are not covered by the COB's he so loves to state.
Was this account your main account? Did you approach them under Section 9 of the lending code which relates to financial hardship?

The basic answer on can they reclaimed is not the question I would ask, could the bank graciously give back some of those fees as a gesture of goodwill owing to your personal circumstances. If the fees are simply historic and are not what some have called snowballing fees, ie that it is fee that triggers another fee that triggers another fee then it may be difficult. OTR's mass email bulletin for last month had a hardship case in which the OP did not use a templated useless set of generalisations but used their own circumstances and the effect the charges had on them. They received charges back but yet other inner sanctum OTR's kept going on about the COB's without having any knowledge of what it takes to do a hardship claim. The OP did the hard work and the OP followed something that I had been saying for a number of years. Use your OWN personal circumstances and do not use a template generalisation. Hope that makes sense