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    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
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    • Ye thats fine. They should come back before the date of your defence BUT   IN ANY CASE YOU MUST FILE YOUR DEFENCE. DO NOT AWAIT THE PAPERWORK PAST YOUR FILING DATE.
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Lloyds Bank New T&Cs from November 2007


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A freind came to see me the other day with a copy of LTSBs new Terms and Conditions which come into force on 2 November 2007. These actually increase penalty charges.

 

The document is in a link from Lloyds TSB - Borrowing from us - Overdrafts

 

The upshot is that if you go £100 over your overdraft limit they charge you £20 PER DAY to a maximum of 10 charges per month. The 10 maximum charges are "resest" at the beginning of the next billing period. So if your £100 "unplanned overdraft" spans two billing periods (say 10 days at the end of one billing period (£200) and ten days at the beginning of the next billing period (£200) the bank will charge you £400.

 

Quick calculation on the comparative interest rate and its 2400% per year.

 

Wonder if anyone else has found this one. Far from backing down these banks are increasing the squeeze. I've also seen A&L are trying a similar change.

 

Alex.

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I've just read the new T&C and I find them disgusting. I hope the other banks aren't following suit, because I really want to move to another bank now. Hopefully, these new terms will drive enough customers away to make them reconsider. I think I might go and get a Post Office account as soon as possible.

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Someone on here worked out that the new T&C's increase the charges by 140% :mad:

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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How are these not penalty charges? Are we not going round and round in circles?

I smelled a rat when A&L sent me through their charges and then Lloyds followed a day later.:mad:

Am I missing the point? What has changed to suggest that these charges are fair, and not punitive?

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The document is in a link from Lloyds TSB - Borrowing from us - Overdrafts

 

The upshot is that if you go £100 over your overdraft limit they charge you £20 PER DAY to a maximum of 10 charges per month. The 10 maximum charges are "resest" at the beginning of the next billing period. So if your £100 "unplanned overdraft" spans two billing periods (say 10 days at the end of one billing period (£200) and ten days at the beginning of the next billing period (£200) the bank will charge you £400.

 

This is likely a psychological warfare ploy, with Lloyds leading other banks from the front as Lloyds did with several court hearings which they won.

 

With on the one side CAG advocating a low charge at £5, and on the other Lloyds making a song and dance about £400 penalty charges in place of £35 to date, the unwary and the innocent such as the OFT, might be induced into thinking -- lets go for damage limitation, a compromise splitting the difference between the two sides.

 

I suggest Lloyds and BBA top brass are unlikely to believe they could sustain £400 penalty charges without revolution in the streets. Bankers just want to bamboozle the public into thinking how reasonable bankers are, when they roll back £400 charges to a mere £35.

 

 

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