Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi folks, here is word for word Lloyds TSB rates and charges.
The information in this leaflet is correct as of 1 July 1999
Lloyds TSB
Your guide to our rates and charges
Rates and charges
Our charges explained
From the TSB range
Page 1
helping you plan ahead
This leaflet tells you about the main charges on accounts for personal customers from our UK mainland branches.
It will help you work out the cost of running your account with us. However most of our personal customers pay no charges at all.
If you want to use a service that we have'nt listed, we'll tell you the cost of that service before you give us the go-ahead. you may find it helpful to keep this leaflet with your bank statements for future reference.
Currently most banking services are exempt from VAT. If this should change, we reserve the right to add VAT to our charges.
Page 2
charges on your current account
Charges are assessed monthly and the period for which we charge:
* starts on the day after the first working day of every month
* ends on the first working day of every month.
If any current account transaction charges are due, we work them out each month and show them in advance on the next statement we send you - then deduct them at least 14 days after the date of the statement.
If you are due to pay charges and your next statement is not due within a month of the of the charging period, we will send you an extra statement free of charge.
When you are in credit or under £10 overdrawn ......................... ......................... .....Free
When you are overdrawn by £10 or more during the charging period................... .......£5 monthly fee
Select
When you are in credit or under £10 overdrawn................ ......................... ...............£4 monthly fee
Additional fee when you are overdrawn by £10 or more during the charging period......£5 monthly fee
- for arranged overdrafts we waive the interest and the £5 monthly fee for the first £50
Page 3
when you borrow from us
When you arrange to borrow from us we give you written details of
* the interest rate
* when we charge interest
* if there are any fees.
If you have arranged an overdraft, we'll show on your bank statements:
* the agreed amount
* when its due for review
* our current interest rate.
For details of interest rates on our range of borrowing options, please ask at any branch.
Page 4
if you go overdrawn without agreeing this with us
If you decide you need an overdraft or think you might go overdrawn, please contact your branch.
Its cheaper for you to arrange an overdraft in advance, rather than going overdrawn without agreeing it first. Applying to set up an overdaft costs you nothing.
If you go overdrawn, or go above an agreed limit without arranging a higher amount first, we charge a higher rate of interest for this unauthorised borrowing. We display this rate at our branches.
Any unauthorised borrowing means extra work for us, we cover this by charging you the following fees.
Unauthorised borrowing fee...................... ....................£5 We charge this when you go overdrawn by £10 or more above an agreed limit or by £10 or more without an agreed limit. The fee is then charged on each day until you arrange a higher overdraft limit with us or you are back within your agreed limit or in credit.
If you go overdrawn without agreement, we may return your cheques unpaid, or be unable to pay a standing order or direct debit. We make this charge each time this happens.
These will be charged to your account monthly. We will write to you every time we are unable to pay an item, or on the first occasion you go overdrawn without agreement by £10 or more.
Page 5
when you use other services
Stopped cheque................... ......................... ..........£10
unless the cheque was lost or stolen................... ......Free
Special cheque presentation............. ........................£ 10
Returned cheque................... ......................... .........Free
(If a cheque you pay into your account is returned)
Statements
We will send you regular account statements free of charge
If you order an exta statement - at a Lloyds TSB cashpoint *
Duplicate Statements............... ......................... ........£5 for each page
* Cashpoint is a registered trademark of Lloyds TSB bank plc.
A charge of 50p is made for each standing order or direct debit paid from a Service Account to any account other than those held by Lloyds TSB plc and Lloyds TSB Scotland plc
Page 6
cashpoint and debit card charges
When you take out cash
From Lloyds TSB and LINK cash machines................. ......................... .......Free
From other cash machines in th UK and worldwide displaying the Visa sign or over the counter at a bank or any other outlet displaying the Visa sign..................... ......................... .....1.5% of the amount you take out ( minimum £1.50)
When you use your card to buy foreign currency or travellers cheques
From any of our branches................. ......................No handling charge
From any other outlet displaying the Visa sign or travel bureaux....1.5% of the amount you take out (minimum £1.50)
All transactions abroad
cash withdrawals and purchases are also subject to 2.25% foreign exchange admin fee
Mini statements Free
Requesting a Receipt Free
Page 7
administration fees
We'll be happy to respond when you ask us for help with managing your day to day banking - at no charge. But if we have to spend a significant amount of time on a specific area, then like professional advisors, we may charge a fee. If this seems likely, we will agree it with you before you are committed.
Well thats that! Hope this is of help to you all.
Regards
Frank (Pokerman67)
Rates and Charges 01/06/1999 Here they are!
TSB rates and charges.
Reply With Quote