Thread: Ardentx VS Lloyds TSB

Hi all,

I'm new to this whole thing but deeply unhappy with this bank.

I'll outline the situation for you all.

I'm 19, a few weeks after I turned 18, I went into Lloyds and asked for a simple £50 overdraft to use if i ever needed too desperately, I was at college and unemployed, on Income support and EMA.

However during that meeting the bank manager peddle a Lloyds TSB Airmiles DUO Credit Card to me and pressured me into it, as well as giving me a £150 overdraft, of course being young and stupid, I didn't have the power to say no.

Any way, now I have the card maxed out at £1000 and overdraft at £1000 and am really struggling to get out of the hole. I would estimate I have been charged at least £800 in the year and a half in charges on both my CC and Overdraft.

I didn't sign for the overdraft upgrade, it was done over the phone when a woman called me up.

I want to go down the route of requesting a copy of CCA and claiming them charges back.

Can someone guide me on the best method of doing this and where to start ? I'm a complete newbie to this whole thing and it would be fantastically appreciated. I was irresponsible to accept it, I'm half of the blame for to lend a college student that much money is diabolical.

Thanks for any help guys

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BUMP!!

I have a question about Overdrafts, is an overdraft that is extended online legal ? where would they get the signature for a CCA that says £1000 overdraft ? or when you press confirm does that commit you to editing your current arrangment terms ? either way would they have to provide a CCA for that ?