Thank you for the reply. That was what I was thinking but I couldn't find any mention of it on the site. Cheers

Hi there, I am just at this stage now and I'm not sure how to work out the 'daily rate' until judgement or payment. Is it 8% devided by 365 days? or am I getting Confused?? Thanks

Hi there, if this is the first time you have been charged (or the first time in the last year) then I would suggest you go to your branch, ideally where you opened the account. Ask at the help desk to see a Manager and when they ask why say it's about the charge. They may try and deal with it themselves but I think only managers can refund charges. Explain that you can't afford the charge and that it is the first time it has happened. They should look at your account and will check to see if you've had any other charges over the last 12 months. They will probably um and ar a bit and may say that it's in the contract etc. Wait. If they say they can't help then ask to speak to someone that can. They will either um and ar some more or get you another manager. Explain again that you can't afford it and if you say it often enough and wait for long enough they should refund it as 'a jesture of good will'. If this doesn't work or you have had other charges in the past, then do as the others have suggested. Good luck! oh...they may give you a number to call for customer care or something. If you want to call it then they should let you use a branch phone but you may have to ask.

So close! Here is todays installment. Went to a different branch today and asked to speak to a manager. Again explained that I couldn't afford this charge and that if they took it out then I wouldn't be able to pay my direct debits again. She suggested that I cancel my direct debits. I told her it was fine if she wanted to cancel my Lloyds loan repayment. No reply! She asked what I wanted her to do so I said that I wanted the charges stopped. She studied the notes from yesterdays calls then phoned 'customer services' and discussed my situation. Telling them I was unwilling to cancel my DD's and that I wanted the charges cancelled. It appeared that 'customer services' suggested that she cancelled them so she pointed out that it wasn't my first offense. After about 10 minutes she hung up and told me she had two choices, to 'refund' the charges or pass it on to a higher level. Apparently she was concerned that if she did 'refund' these charges then the situation could be the same next month. I pointed out that she wouldn't be 'refunding' the charges as they hadn't yet been taken, rather she would be stopping them. I also pointed out that if she didn't cancel them then I would certainly be in the same position next month as I wouldn't have enough money to cover my loan repayment. She assured me that had this been the first time I had gone over my limit then she would of 'refunded' me automatically as a gesture of good will. I told her that we both knew that the charges were unlawful and that I was in the process of reclaiming all charges levied in the past six years. After acting confused she agreed that she was aware of the press attention but that I had accepted the terms and conditions when opening the account etc. etc. Sensing this wasn't helping my case I shrugged it off and let her continue talking to me like a naughty school boy. She told me that this would be the only time this would happen and made me promise that if 'refunded' I would never go over my limit again. I agreed and she turned to the computer. Unfortunately, the computer said that she didn't have sufficient privilege to delete the charges. Only someone at the branch I opened the account (over 100 miles away) could do it. So finally she filled in a 'customer complaint escalation report' with all the details and has promised I will get a reply in 5 days. She 'strongly advised' as I was leaving, that I speak to someone at the CAB because I was having trouble with my DD. I explained that I was only having trouble because I couldn't afford the charges they keep taking from my account. No comment. Good grief!

Well here is what happened. It's a long story but I will try to keep it brief... To start I called the 'customer support unit' (0800 389 8766). Mainly because it was a free number. I spoke to a lady there who went through my monthly incomings and outgoings and she told me that I didn't have enough money. This meant that she couldn't give me a loan or arrange a repayment plan for the charges and there was nothing else she could do. She suggested I contact the CCCS or CAB. I asked to speak to her supervisor and was told that they would tell me the same thing and that they could not refund charges in that department. I asked to be put through to the department that could authorize refunds which she did. The second person I spoke to passed me straight on a third and at this point I lost the signal on my phone. Not knowing what number I was last speaking to I decided try my local branch instead. I explained the problem for the 3rd time and after the lady spoke to her workmate, was given the number for 'customer services' (0845 3000 000). She let me use the office phone and I spoke to Brian in India. Brian listened patiently whilst I explained the problem again then said that I needed to call the 'customer support unit'. I said thank you and hung up. At home I contacted CSU and explained why I was calling them again. This time was told I should of called 'customer care' not 'customer services". I was then transfered to Wendy in 'customer care' who wanted to know the whole story. Wendy told me that my branch manager should of dealt with this and that she would put in a complaint. She then transfered me to a man (in 'personal banking and loans' I think) and she explained to him all the trouble I was having. He promised he would help and wanted to know the whole story again and everyone I had spoken to again. After I had explained everything he asked if I had had charges in the past. Then he checked and saw that I had a few times. He told me that if this had been the first time I'd had incured a charge he could of cancelled it, but because it wasn't there was nothing else he could do. He said that the only people that could help were the people that I called initially (customer support) and that because they couldn't help there was nothing more anyone could do. At this point I dropped into the conversation that I was making a claim for the charges they had made over the last 6 years. He told me that he was aware of the media attention that this was receiving at the moment and that I was certainly entitled to do so. That if there was a change in the law then I would be able to claim back all charges over the last 6 years, BUT there is nothing that can be done to prevent these charges from being taken from my account now. He offered to transfer me to 'customer support' again. I hung up! I will go to my branch again tomorrow to speak to the manager and see what can be done. Any more suggestions would be greatfully received...

Thank you, that is very helpful.

Hi there, I have had a search but couldn't find any mention of this so I'm hoping someone will have a suggestion. Last month I had two direct debits come out in two days. Both put me over my overdraft limit . Lloyds TSB have just let me know that I will be charged £60 for this and of course there is another £70 to pay as they were 'returned unpaid'. Obviously if I had a spare £130 I wouldn't of had a problem in the first place! This money is due to come out of my account on the 3rd July. I have just sent off my DPA letter to Lloyds, so my question is this - Is there any way to stop them taking this money from my account or do I have to wait until I've got my statments and calculated everything they have taken in the last 6 years and reclaim it back then?