Thread: Have you been defaulted for bank charges? Prepare to take action

I don't know why but after six months that I have nevere used my english account lloyd sent to me a letter where i was forced to pay an amount of about 250 pounds....Is it possible?

I Thought since some days ago that i opened a classic account with Lloyds bank but i discovered that i have a silver account and how can i know they will be charge you 7.5 pounds a month for the account and 3.99 pounds a month for overdraft limit......So i left london in december and before my leaving I wanted to take the residual money i had...so my account wolud be at 0...but they talked to me thatoi a transaction with skype arrived later and i was in overdraft of 8 pounds.
But the problem is....how could I know tha i have a silver account?....Why did they send to me a letter only th 21 of may to tell me that I had to pay about 200 pounds of overdraft fees....Is it possible according to you...?Are they kidding me?...thanks for help

Please help...
I recieved a letter from Lloyds sayint that they are going to charge me for 20£ unplanned overdraft. They said: £15 monthy fee and every day £6 ( 4 days).
I wrote them a letter saying that this is not fair (templates letter).
Today I got a reply saing that they are not going to cancel fees and when I opened current account with them i signed terms and conditions...
Please advise how what to do now...
I am lost!
regards, Elena

Originally Posted by BankFodder

http://www.consumeractiongroup.co.uk...reference.html

and

http://www.consumeractiongroup.co.uk...php?f=84&a=128

You should start dealing with this now.
.
.
.
.
.
.
.
.

Thanks for the links. For some reason I can't access the second link.

Anyone else have this problem?

The 1st link isnt working, thanks

Hello!
I opened a current account with Lloyds TSB in Nov 05, which was eventually upgraded to platinum plus. All was good before June 08. Thats where the problem comes, I left UK to spend sometime with family in Dubai leavin' my account £245 overdrawn in June 08. The overdraft was interest free so I didn't worry coz I was to return before 1st of July 08. Sadly, I had an accident leavin' me on bed for almost a year, durin' this time my resident visa expired. I had to reapply the visa & as you know it was a lengthy process, just got my hands on the visa last month. There was a monthly fee for the platinum account which kept goin' out of the account for almost 6 months takin' my account in an unplanned overdraft. Now I am worried about what will happen to me as I had only this account. My history would've been ruined by now, I guess. And I learnt that bank is goin' to charge me £6000. I am really in trouble. Can anyone help? I'd be highly grateful.

£6000 in charges?????????????????? ?????????????????

Originally Posted by Mr.Sandman

Hello!
I opened a current account with Lloyds TSB in Nov 05, which was eventually upgraded to platinum plus. All was good before June 08. Thats where the problem comes, I left UK to spend sometime with family in Dubai leavin' my account £245 overdrawn in June 08. The overdraft was interest free so I didn't worry coz I was to return before 1st of July 08. Sadly, I had an accident leavin' me on bed for almost a year, durin' this time my resident visa expired. I had to reapply the visa & as you know it was a lengthy process, just got my hands on the visa last month. There was a monthly fee for the platinum account which kept goin' out of the account for almost 6 months takin' my account in an unplanned overdraft. Now I am worried about what will happen to me as I had only this account. My history would've been ruined by now, I guess. And I learnt that bank is goin' to charge me £6000. I am really in trouble. Can anyone help? I'd be highly grateful.

this cant be do you mean £600? bloody hell capt DANIELS and his crew of pirates are indeed in the money, if i were you DO NOT PAY IT!!!!

I have a default issued (May 2008) by ltsb for bank charges they claim at £1,800+. They have never justified the amount they say I owe. Recently I offered £750.00 (much against my will) in Full and final settlement providing they removed the default. They have not even bothered to acknowledge the letter. I really am now fed up with the behaviour of LTSB and I want to take legal action against them. How do I do that? Can anyone help me with the correct legal procedure please.