Thread: Claiming back overdraft excess fees

Hi there,

Firstly I just want to say what a great site this is - I saw the TV spot last night and was so relieved to hear that I actually have legal grounds to claim back the charges that Lloyds TSB have taken from me. I, like so many people, assumed that because it was a well established bank making the charges, they must be legally able to do so!

Basically, I have had an account with Lloyds TSB for 5 years, and last year I had an overdraft (which started at £100 and eventually increased to £500). I have, on occasion gone over my overdraft, and as such, have incurred the standard overdraft excess fee of £30 each time.

However, every time I have exceeded this overdraft limit, it has been by no more than £5. The only exception to this occured several days ago when an excess fee of £30 was taken from my account (due to exceeding my overdraft in April by £1.52!!!) which then pushed me, once again, over my overdraft, so next month I shall be charged ANOTHER £30!!!

I have, as I said, only had my overdraft for a year and half or so, so I am probably only owed £100 - £200, but I am already £12,000 in debt due to my Student Loan to get me through my University degree, and I refuse to allow Lloyds TSB to basically steal money from me when I could be using it to pay my loan off!!

I will be sending off my DPA letter first thing tomorrow morning, and will keep this thread updated I'm a little nervous about taking action in case it goes to court, but I'd rather give it a go and risk losing than just rolling over and letting them walk all over me!

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Welcome aboard spacebug.

Don't be overly concerned by court action at this stage - it may be a possibility and you should rightly be aware of it, but in all likelyhood your claim will be settled either by the letters from our Library, or by issuing a court claim (which, in itself, is not the same as attending court).

You're in good hands on the site, plenty of all-round knowledge to guide you through.

Best of luck

I just made it payable to Lloyds TSB Bank PLC, i assume the Head Office (London address) as this was the one on the Data Protection Registry. Should be delivered by Friday as it was Recorded Delivery.

I've just checked another thread - as I have sent it to the Head Office, will they forward it to the DPA department? I've just realised I should have sent it to Penny Berryman instead

Hi there, just a quick question - now that I have sent my DPA letter by recorded delivery, they have 40 days upon receipt of it. However, is this 40 working days, or 40 standard days ie including weekends? I need to know to work out when to send my Prelim. letter, so any help would be greatly appreciated

That's OK - they will pass it on.

Thanks Any ideas about my 40 days question? I expect it to be delivered on Friday, so when will this give them to?

They have 40 days total, not working days.

Right, so they have till the 19th july to send me the statements. Thanks very much for the reply!

Hi,

Having sent my DPA by recorded delivery on the 7th of June, they recieved it on the 9th. I enclosed the £10 cheque, but it has still not been cashed (I have checked in my branch on several occasions). Is this a normal time period to expect to wait? It's been 2 1/2 weeks, still no sign of the barrage of statements, still no cheque-cashing .

Has anyone waited this long, or is it time for me to phone the DPA department to confirm they recieved it (I sent the letter to HO by mistake, but it should have been passed on to DPA dept.)

Any help would be greatly appreciated!!

-s-

Thanks, I'll give them two weeks then (which means I'll be contacting them the weekend of my 21st what fun!!)

Hi Spacebug mine was received at Chiswell Street (Perry Berryman) on the same day 9th June.
So can we keep in touch as we are at the same stage exactly?
I still have not received mine, i have heard from this site that they are not replying to the original request but just sending out the data as they are snowed under with SARS requests and it is taking them upto 2 weeks, i would imagine that it may be longer be the case now as all this seems to be getting big now.
Still we could compare notes and keep an update here for other users to compare.
Good luck and all the best look forward to hearing from you
Regards
adamsk

Thanks Commando, good advise ;-) I'll use the time wisely, maybe to prepare my next letter

Adamski, sounds good. I am expecting them to blame any delays on the fact that I sent my DPAR to Head Office by mistake, but it shouldn't take them that long to transfer it to the correct department. Let me know when you hear anything from them as it would be really interesting to see how our cases compare!

-s-

Hooray! My lovely list of charges arrived this morning! This is what I have:

01/09/2005: O/DRAFT EXCESS FEE: £30.00
01/11/2005: O/DRAFT INTEREST: £00.10
01/11/2005: O/DRAFT EXCESS FEE: £60.00
03/01/2006: O/DRAFT INTEREST: £00.23
01/02/2006: O/DRAFT INTEREST: £02.40
01/03/2006: O/DRAFT INTEREST: £01.75
01/03/2006: UNPAID S/O: £35.00
03/04/2006: O/DRAFT INTEREST: £05.34
03/04/2006: O/DRAFT EXCESS FEE: £30.00
02/05/2006: O/DRAFT INTEREST: £06.11
01/06/2006: O/DRAFT INTEREST: £03.55
01/06/2006: O/DRAFT EXCESS FEE: £30.00

Total w/out interest = £185.00
Total with interest = £204.48

There is also a £35.00 Unpaid S/O, plus about £5 of interest due to go out the first week of July, and possibly an Excess Fee of £30 (though when I went into my local branch, they had no record of this I'm not complaining!!)

This might not seem like a lot of money compared to the £1000's others have reclaimed, but when you consider that I have had my overdraft for barely a year, it seems more significant!!

So, is it the Prelim letter now, asking nicely for my money back?

Got my Prelim letter ready now, just wondering, what is the best address to send it to?

I went for the Colmore Row address in Birmingham for all correspondence, did the job for me.

Head Office address will be fine.