This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Referral payments are paid for any purchase made from a link on this site. So clicking on a (for example) book ad and buying a totally different DVD would still make the site money. Amazon do totally random ads that don't relate to content too, best sellers etc.

As I suggested a few weeks ago, why can't the site join Google Adsense. It's ads are based on keywords on the page, so hopefully some banking ads will show up....click on their ads and the bank has to pay google for it lol, a roundabout way for us to really cost the banks a lot of money !! I for one would click on Lloydstsb adverts for an hour a day ! this site would earn loads, the banks would pay loads (but delete this message when you sign up to it)

alright there, I'm claiming about the same amount as you. did you not bother waiting the 14 days given in your first letter seeing as they replied before the 14 days was up? was wondering whether to do the same, but have been advised not to by another user. good luck

Good point - I might just talk to them about it over the telephone. I can record conversations on my mobile.

Would sending a reply disputing their email be worth the effort, ie saying for instance that, yes, I agree a fee to cover their costs can lawfully be levied as per the t&c's, but lets be serious it doesnt cost £x to bounce a direct debit, nor £x for an o/d excess charge letter to be sent (and perhaps quote the OFT)?

Didnt think they would reply this quickly, or at all by email. I only sent it on Monday (and hard copy on Tuesday). Do I carry on waiting for the 14 days? Here is the email (they attached the leaflet about charges too) Dear Mr ****** Re: Account Charges for Overdraft Excesses and Returned Items Thank you for taking the time to contact us about your account. I understand that · You feel that the charges you have incurred are unlawful. You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items. You have requested that all charges incurred should be refunded for the past 6 years. When you become a customer, we give you details of any charges for the day to day running of your account. Details of our charges are also available from our branch staff, telephone helpline or our website. For the vast majority of our customers banking with us can be completely free as charges are not made for services such as debit cards, cash machine withdrawals, balance requests, statements, cheque books and Internet banking. We also do not charge for processing Direct Debits and Standing Orders when they are paid through our customers' accounts. One of the few services we apply charges for are when a customer does not have enough money in their account to meet payments they have requested us to make. If customers think they may exceed any limit they have, we urge them to contact us to discuss their requirements. Any requests for further lending are then assessed in line with our usual credit policy. Similarly, when we return an item, we are preventing a customer from exceeding their limit, and again as we explain clearly to our customers, this process incurs a charge Typically, we do not levy customers an excess overdraft fee the first time they go overdrawn without agreement, as long as it hasn't happened in the past twelve months and we limit excess fees to a maximum of three occurrences in any one month. As a business we are entitled to set charges to cover additional work. These charges are not hidden and are notified in the guide to banking charges leaflet we produce. We advise our customers to ensure cleared funds are available in their accounts to meet payments due. You will also note that in the front of each cheque book we request that funds are available before cheques are issued. You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits and within the terms and conditions. You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account in excess of the amount agreed without charges being made. Accordingly, I am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively, you may wish to consider alternative banking arrangements. In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've enclosed one with my letter. This tells you all you need to know about resolving your complaint with us. If you are unhappy with my decision and feel that you have something to add which might change the outcome, please get in touch. If we cannot agree on a solution at that point, I will help you refer your complaint to the Financial Ombudsman Service for independent arbitration. Yours sincerely David Just Assistant Manager

Email acknowledged:- Thank you for the e-mail. I am sorry to learn that you appear unhappy over the level of charges you have incurred on your Lloyds TSB account. Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery. I have asked that he notes your comments and issues raised and arranges for a response be sent to you at the earliest opportunity. In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've attached one to my e-mail. This tells you all you need to know about resolving your complaint with us. Regards Keith Boden Lloyds TSB - Service Recovery Birmingham

Got my DPA stuff back on Friday, have worked out my penalty charges to be £1031.50. Sent my prelimary approach letter today, by post and email to be sure. So now the waiting game...

hi all, was wondering if anyone has managed to successfully apply for a decent mortgage even though they have had defaults in the past? Mine were all for pretty small amounts, from my student days, and have all been settled (the last one was settled around May 2002). Now I want to buy a house with my girlfriend (who has a good credit reference), and plan to see a mortgage adviser next week, but how have others done? Cheers J

As I understand it defaults remain on the file for 6 years from the date they are settled, not the date they are put on your file.

A group of educationally disadvantaged in Glasgow, known as the Student Loans Company, once sent my deferrment backup to someone else, who then forwarded it to me. So a total stranger got to see 3 months of pay slips which included just about everything needed to "become me" if they so desired (thankfully they were honest). I complained to SLC, but was told it was "just human error" and was asked "do you know how much mail we deal with every day?". So I apologised for my stupidity and went on my way.

I'm due to have some charges taken out of my account on 4th April. For a returned direct debit of £17.99 which would have put me a fiver over my overdraft limit. Obviously I would like this refunding, seperate from my claim for past charges, but how should I play this on the phone. Or better still does anyone have an idea as to what I could write to them?

It shows on your file as satisfied, and gives the date of satisfaction too. I think it stays on for 6 years after it is satisified. Put a notice of correction on your credit file explaining why they arose, I've managed to get some good accounts since I did that.

I got the same letter for forgetting the £10!! My reference was 40 something, with "DSAR" written in what looks like an almost ran out red felt tip pen.

I sent mine on the 8th March, by email and got a response within a couple of days (just an acknowledgement). Finally got a real response on Friday 24th, saying to send them a cheque for £10, then they will send statements within 40 days of receiving it. Quite happy for them to drag their feet as it gives me more time to see how others have done!

advertising revenue from this site (see my previous post - "advertising revenue") would generate cash that could be used for this type of thing. A consistent unified approach would, IMHO, be more effective than a mish mash of different initiatives. Please put Amazon ads on this site!! (or other ads)