This topic was closed on 2019-03-08. 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

Woo-hoo! After months of pain, the Bank finally agreed to pay up, though not without a nasty letter with no admission of wrongdoing on their part! I received two letters, one of which is 'open' and tells me how my claim is invalid and I would lose in court (although I have followed the advice of this website to the letter, so I doubt it). The other is marked 'Without Prejudice - Confidential and Priveleged' - the one that gives up. They claim that it would never be produced in court and that the Bank does not accept any merit in my claim. However, they will pay up because of their potential costs. However, they stipulate 4 conditions - which do you think are reasonable, and which should I say 'no' to? Would they refuse to pay if I said no? Conditions: 1. Cooperate with the bank's request to review my account by calling some regional manager within 14 days. 2. Maintain my account within my current limit and any new limit agreed with Lloyds. 3. Payment will be the full/final settlement of the claim. 4. Terms and correspondence in reaching this settlement will remain confidential to me and the bank. Thanks all. And thank you to the admininstrators of this fab website! All the best, smd.

I have just submitted a claim against Lloyds bank for excessive bank fees using the Moneyclaim website. The problem is that instead of quoting Unfair (Contracts) Terms Act 1977 and Unfair Terms in Consumer Contracts Regulations 1999, I quoted Consumer Credit Act 1999 (Unfair Terms in Consumer Contracts). Does this make my whole claim invalid, seeing it is a regular bank I am suing, and nothing to do with a credit card? How silly I am! s.

My wife finished her degree in 2002 with a £2000 interest free overdraft with Lloyds Bank. She took a year out and trained to be a teacher (PGCE) the year after that (qualified summer 2004). She got a job in an awful, unsupportive school and came down with severe depression around Christmas 2004. She had to leave through ill health by March 2005. Although she had recovered by about July 2005, she has not been able to find any work since (not for lack of trying, I can tell you!) In about June 2005, Lloyds wrote to her to enquire whether everything was ok because her income had stopped, yet she still had outgoings. They said that they wanted to do anything possible to help. A month later, they withdrew her interest-free overdraft and started charging her about 29% APR for the privilege. However, she was now £2000 overdrawn and couldn't do a thing about it. Lloyds started charging her £35 fees for unpaid S/Os and D/Ds and for overdraft excesses. Since last July, these have amounted to about £700! She has written twice now to the Senior Manager who originally offered to help requesting that the interest-free overdraft be put back into place, and that fees be refunded. The first time, an anonymous manager wrote back telling her that the fees were legitimate and so tough luck. The second time, there was no response at all. I feel so helpless too. I am paying the rent, food bills, council tax, bills, etc and so I have no income left to bail her out. We have explained the whole situation to the bank (phone and letters) but they won't help and keep whacking us with charges and interest every month. The last one came yesterday - £70 for two unpaid S/Os. When my wife phoned up to ask, she was told that because cheques take 5 days to clear and she had only allowed 4 days (!), so she went over her overdraft limit for a day. This, surely, is unreasonable! We are desperately saving every penny, we don't go out, we don't buy any luxury items. Yet it makes no difference - Lloyds bank still take what little we have. Help.... s.