Hi there First response back from Lloyds they agree the complaint should be upheld and have refunded interest of £371 , now the overdraft actually goes back a further 1.5 years than this , I genuinely only became aware I could make a claim about a month ago after seeing a claims specialist advert , that’s when I started my claims . does this cover the 3 years of when I should have reasonably knew ? how do I go back to Lloyds ? They have details they completely agree the borrowing should not have happened but they state they have limited records, I have all of my statements prior to this point to show the same concerns they have . please can anyone advise what I should say to them when I ask them to consider the 1.5 years prior . Thanks Leanne i also note they have only refunded interest not charges , should I ask for the charges also to be refunded and 8% happy to Goto Ombusmen as have seen a high success rate with cases being over six years old.

I thought this would be the case , I thought if got the DSAR from my bank and other lenders it would show the missed payments etc to cross reference in the absence of my credit file so 3 years for unfair fees ? Back to 2020 is as far as I can claim? Thanks for replying , il probably just leave it now as stated I’m sorted finically now however it took a very long time .

Hi , Im new so sorry straight away if this is done wrong but I just wanted to get some advice to see if I’m wasting my time . I have had several credit cards many from 2014/15 which have now been cleared however when I opened them I was in financial hardship , I was given increase after increase even after having defaults on my accounts , I was charge £30 a time for going over late payments etc. The cards were with vanquis, Aqua ,barclaycard and marbles plus capital one. I’ve initiated an irresponsible lending claim and also a DSAR for my bank accounts I had back then too as those also got charged almost weekly with going over fees etc. lloyds gave me a overdraft I’ve £200 to start the somehow it got upto £5,000 in 2 years ! On a £600 per month topshop which wage which inevitably defaulted . yes I’m silly and yes it was my fault but I also genuinely believe that I shouldn’t have had the increases on my cards and overdrafts in hindsight. This was in a very horrific time Of my life that I won’t go into but that’s why I was so foolish . as I say these are laid off now and I’m a lot more sensible now . my questions are . is it too late? the Lloyds bank was wound 2018 the credit cards maybe 2015 I did have a RBS account also which would be maybe 2008 , that defiantly had overdraft charges etc and also we paid for a premium but can’t remember what . Would the deadline defiantly have passed for this one? is it worth the time perusing the cards and banks or have deadlines passed. I have requested DSARs for everything and h e downloaded my credit file for what I can see but obviously this only goes back 6 years , is there anywhere I can see past this ? I have already got my Lloyds statements . any advice would be brilliant , I’ve started my claims through resolver with the basic templates . thanks again Leanne