Thread: Help with Lloyds Charging for an account I dont use!

Hi There

Was wondering if you someone could help me!

I filled out an application for a Gold current account with Lloyds back in March 2008, they then sent me everything to get started from the day I received everything, its been in my bottom draw unopened as I decided I didnt want to bank with them and chose to go to another bank. Hadnt heard from them since that time.

In April this year Lloyds sent me a statement to saying owe £57.00, apparently the Gold Current account you have to pay for each month and since they didnt have any of my current bank details they had been deducting it from the overdraft so that is how they got to £57.00

I called Lloyds as soon as I got the letter as I was confused since I handnt used the card and the card has not even been activated how they could charge me. The lady was a complete incompetent ass, she was saying well were charging you because you use the account. I asked her to look on her screen and to tell me what activity if any was on the account and she told me there wasnt any, so I then asked again so why are you charging me, you just told me because I use the account now looking on the system you can see I have NEVER used it she just kept saying because I used the account.

I then asked her ok lets say I go along with what your saying how come th account has been opened since March 2008 and you have been charging me every month since it opened and it is now April 2009 and this is my first statement/correspondence from yoursleves. Now we all know that when it comes to a bank account being overdrawn they send you a letter straight away yet I have none. She couldnt answer. I told her I want the account closed/put on hold so I can do more invesigating she told me she cannot do that, I asked why she said because you owe us money for using it. Asked what am I supposed to do then, I dont want anymore charges and asked what is it saying on the system she said the account has been put on hold ! Im sure I had just asked her to do that and she told me No.

I then told her that I dont live at the address the statment was sent to and hadnt done for 10 months and for them to put my new address down on the system she told me she couldnt do it as Im not set up for telephone banking and I need a password to discuss my account for security reasons ! Yet for the whole telephone conversation we were discussing my account.

Anyways wanted to know what I should do, do I have to legally pay this money or can I complain to lloyds?

Thanks so much for getting back to me and with the information you have provided. Appreciate it

Il write them tomorrow and copy the Managing Director of Lloyds hopefully that might speed up a reply. Il let you know what happens thanks again.