Jump to content


Hello everyone


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5085 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello, My name is David and first of all I'd like to say well done to everyone who has successfully reclaimed bank charges in the past!

I'm currently thinking about making a claim against Lloyds TSB for charges levied against my account over a 3 year period. I am quite literally at stage one of the ladder to reclaiming these charges. Let me give you a little bit of history about my situation, I had a Lloyds TSB account from around April 2002 until November 2005. In July 2002 I applied for and received an overdraft of £1700 and all seemed well, from then on until my account was closed by Lloyds TSB in November 2005 I lived on or around the £1700 overdrawn limit. During that time my monthly overdraft fee was around £20 which seemed fair enough, I did 'owe' them £1700 afterall, what was concerning me however was that I was also paying between £30 and £200 a month in failed direct debit fees and unauthorised overdraft fees. The situation came to a head when in September 2005 I got married, 2 days after that I had a car accident, no sympathy please was my own fault... driving too far when i was too tired haha. Anyway the car accident left me with no job for a while so I visited my local branch to explain my situation and inform them that because of my recent car accident, I admit I played on it to win sympathy, I would not be able to honour a few impending direct debits from my account to which I was told by the member of staff I saw that there was nothing they could do and that I would be liable for a charge for each failed item, if memory serves me right it was 5 items. Disgruntled I left the bank with the vow that I would walk away and not pay them a penny anymore. As a result Lloyds TSB duly closed my account and informed me I owed them something in the region of £2300. I have never disputed the fact I owe them £1700 for the overdraft but surely the charges levied on my account exceed what I owe them? I'm at a quandry regarding my situation, should I chase them for the penalties incurred and have them chase me for the £1700 I owe them or should I just leave it?

Link to post
Share on other sites

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

Forum rules

Cag toolbar

 

 

Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...