hiya caprice1982, firstly I really dont know where they have come up with the figure *190, because the charges go as follows a *15 flat rate fee for going into unplanned o/d & then your charged on the amount that your o/d by so *6,*15 or *20 per day depending on the amount with the max being 10 daily charges in any 1 charging period, so on the amount you were over by you would have been charged at *20....so ask them for your statement with the exact break down on it,so you can work these out yourself. And as for the gent at the branch well what can i say,nothing is probs better but he could have done something apart from bare face tell you he couldnt believe me!!!! However in saying in saying this if your acc is being held with the collections call them & tell them that there is no way that you can pay the amount and that the money will not be in the acc when the call for it so they have to make some kind of argeement with you, regardless what that is dont let them badger you into something thats un realistic either even if your offering them 10 a month they can accept it, they have the power to do this. so ring the collections team and be extermly firm and tell them what you can and cant do.

Hiya there SAMK Hope this helps....... ''your banking relationship with us'' --- pg 19 section 16.2 General Liability You will not be liable for any payment instructions you did not give yourself, even if they were given using your card or security details, unlesswe can prove either: (a) That you have actedfraudulently in which case you will be liable for all payments from the account that we have been unable to stop; or (b) That you have been very careless with your card or security details (for example, if you do not tell us as soon as you think someone has discovered your security detailsor is accessing your account without your authority or you broke your obligationsin condition 4), in which case (depending on the facts of the caseand any legal requirements that apply) you may be liable for paymentsfrom your accountbut only untillyou have toldus that your card or security details have been lost, stolen or could be misused. If you are not liable for a payment, we willrefund the amount of the payment and any charges or interest you paid as a resultof it, and pay you any interest we would have paid you on that amount, and will not have any further liabilty to you. As Isaid hope this helps you some what and if you would like any thing else let me know. sally-ann/Welshiegal:p

Hiya there, just wanted to let you know lloyds have had problems with viewing e-statments. And if you call them request your statements but tell them that youve already ordered them months ago and you still havent had them, then they wont charge you the tenner. hope this helps.

It's just so sad and outrageous that many people will let them get away with it , I know I have in the dim and distant past, and that's what the Banks rely on... punishing the little people for minor misdemeanors... Thank heavens for CAG!!. :pYeh totally agree with you there.......NEVER A TRUER WORD SPOKEN:p

hiya, she better off calling phonebank(08453000000) then all she needs to do is simply tell the advisor that she never had any charges previous on her acc and shes had a letter to say that she will be charged on 03/08/09 and she wants them waiverered....the advisor will check the acc and will then put a waiver on there for her, makesure they give her a ref no. then just keep ahold of this untill shes had the aug statement just to make sure it was put through correctly and doesnt go out the acc, if for any reason it does still go out get striaght on the phone with that ref no. again if you need anything else just give me yell.

hiya there, unfortunatly they can do this it will be part of the terms and cond' however if this is the first time she has had any charges on her account or if she has not had any refunded or waivered (refunded-were the charge has already left the account and lloyds refund it back to her waivered-were the charge has yet left the account so lloyds place a waiver on there to prevent it from leaving) in the past 12 months then she can a request a waiver or refund, which she would be fully entitled to with the amount that she had gone overdrawn by and the amount the charge is for.....if onthe other hand they would have returned the direct debit as unpaid that on its own would have had a 20 quid fee charged to her account, i no it still doesnt seem fare her having to request the waiver/refund but at lweast it better than them taking the money.....if youd like any help or want any other advice let me know.

firstly the part were they have placed your cliam on hold pending the court case it unfortunatly well within their rights to do,unless they are reviewing it as a hardship case. But inregards to your farthers cliam/acc/details--that is a major NO, even if you are his son they are breaking data protection rules and not adhering to compliance procedures your call would have been recorded as they all are an i would sersouisly look at compliant in regards to this,does your dad know that the advisor was so open an free in giving out details an information about him out:confused: .....if you were tto phone aznd try and access your dads details or pretend to be him that is illegal and fraudulent, so unless you have a legal doc' stating you have POA(power of attorney ) or you both hold a joint acc together you shouldnt be able to get have or be told anything in regards to your dads acc!!!!! id look into that if i were you, if youd like any more info or theres anything you wana ask just let me know.

** So the Address to send your data subject...to is: LLOYDSTSB BANK PLC, COMPLIANCE DEPT, MOUNT BATTON HOUSE, MILITARY ROAD, CHATHAM, ME4 4JF If your needing to get a hold/need statement's, then you can COPY STATEMENTS UNIT, LLOYDSTSB BANK PLC, SWALLOW HOUSE, 10 SWALLOW STREET, BIRMINGHAM, B1 2AL

Hey there, well firstly they just cant go re-opening dormant accounts in most cases reopening a doormant acc isnt poss but on the occassions it is --it would only be done with the agreement and confirmation of the cust. When you stated to them you were going awayand to cancel all direct debits, they should have been checking that there were no standing orders of bill payments coming striaght off the debit card. now 1 of the main reasons that an acc cant be closed is if there are previous charges or interest due to either debit or credit. And yep put your request for charges through regardless of the closed status...simply because there saying now that it isnt closed so if that what there sticking to then fine... there shouldnt be any reason they cant produce all the info your needing ......and chances are when you start requesting the past umpteen years worth of statements for a charges recliam they go back to the doorment story, so yeh get the data and submit your request. In relation to preventing the acc going with DCA, I pretty posative in the fact that its probs already there! best way to check that is on line with experian/credit expert you can then view all your credit history an if lloyds have taken u into default it will show on there. LET ME KNOW IF YOU NEED ANY OF THE ADD'S TO SEND YOUR INFO TOO....and if theres anything else i can help with(i work for the *%0!" LOL thats why i spend my time on here trying to help people!):p:p

Perhaps it's just as well he's going. I do hope he can remember where the door is... :):) That little quirk really brightened my day! lol

Hey there, Firstly YES:oops: you can look to claim back both unplanned O.D fees & returned items + any interest relating to the unplanned overdraft fees. 2nd NO:oops: they wont take away your O.Draft facility, however in saying that I do know that if you have an O.Draft that you only use x amount of they may when youre due your review recieve a letter stating that as you only ever use xxx amount then we are going to put your O.Draft at that set amount....however if you prefer to have that amount even though you dont use it, you know having it there as a safty net should you need it. All you have to do is call and say you wish it to remain the same as it has always been then they can leave it at that for you. PUTTING IN YOUR CLIAM.... now you've got your statements use a highlighter to mark out the charges, then write a cover letter-which can be as long or as short as you like, and send it to= LLOYDSTSB PLC, BOX 1, BX1 1LT. You''ll then recieve a letter telling you that they will place your request on hold untill the outcome of the pending courts decision, but this is the same for everyone regardless how much, or how you bank with. DEAR SIR/MADAM ACCOUNT NO XXXXXXX I'M WRITING TO REQUEST THAT YOU REPAY ALL THE DEFAULT CHARGES THAT HAVE BEEN APPILED TO MY ACCOUNT DURING THE PAST xxx YEARS. I DO NOT BELIEVE THESE CHARGES REFLECT THE TRUE COST TO LLOYDS BANKING GROUP FOR GOING INTO UNPLANNED OVERDRAFT AND HAVING ITEMS RETURNED TO MY ACCOUNT. THE CHARGES TOTAL xxxxx. I BELIEVE THAT I HAVE BEEN DEPRIVED OF THIS MONEY AND THEREFORE ASK THAT YOU REPAY ME THE FULL AMOUNT. PLEASE FIND A FULL SCHEDULE OF THE CHARGES ENCLOSED. I LOOK FORWARD TO A FULL RESPONSE TO THIS LETTER WITHIN 14 DAYS. YOURS FAITHFULLY

Hey there, when i first read this I thought 2 things... 1st...... I thought that there may have been an accidental clearance of your balance, where someone else has paid their card and the details(card no.) have been put in wrongly,resulting in payment going to your card,and then its realised and that orig' payer has called back the payment your card again had a bal??? 2nd..... thing i thought is (and this can be any kind of acc weather it bank,catologues,anything)but basically when we start recieving letters from a debt collection agency its because the debt we had with the once said company has been sold,you then no longer actually have an outstanding debt with that company. (the debt companies buy the debts and they then go after the outstanding bal,and even the debt ag' sell them on sometimes...ever recieved letters from agency only to then months later start recieving letters for the same acc bal outstanding but a different agency now collecting it!) I know its alot of money but I would pay the 10 quid and request all the info they hold about you...''DATA ACCESS REQUEST'' this will hold everything,letters sent to & not to you, letters to any debt company about you you name it anything. And is prob's going to give you the best/only ans to qu: giving you the option to take it from there. If you do decide to this let me know an I can give you the address you need to make the request to.