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Charges due to be applied


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Long story but the short version is this.


my Daughter has an account with Lloyds, she went overdrawn by £7 got charged £30, she paid money in to cover this and with one thing and another wasin and out of credit a few times.


Today she got a letter saying that here account (which was at -£43) had been passed over to the collections department for which she would be charged £75 making her £118 od.


she went to the branch today and paid in the amount of money she was overdrawn less the charges that she is disputing as they are unfair.


they say make a claim, but good luck with that, and oh by the way if you don't clear the overdraft by March 2nd we will apply more charges of £175.


At that point she asked if the account could be frozen while she disputes these charges but they refused to do so.


what are her options?



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Hi Simon.


Option 1 is to bring the account back into credit, albeit by one penny, to avoid further charges being incurred. This applies if you fear that the chance of reclaiming those charges is small and your daughter can't afford the risk.


Option 2 is to leave the account to gather ever more charges, on the basis that she will at some stage reclaim them.


Either way, she should quickly open an account elsewhere and arrange for her income to be moved there, together with any payment arrangements.


This will leave the LTSB account high and dry, in whatever state your daughter prefers, which is no more than LTSB deserve. The attitude of some of the staff and their treatment of their customers is despicable.


The longer term rsk is that, if any debt is not repaid and charges are not reclaimed, LTSB may register a default with the CRAs and pass the debt to a debt collection agency.





Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL


What poor education I have received has been gained in the University of Life

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well went though all the letters and statements this weekend.


She was OD but had receieved a letter from them to tell her that she was using her planned OD but hadn't put any money in for a while did she have any problems.


next letter was to say that she was being charged lots of money for unauthorised overdraft and these needed to be paid straight away. The people in the collections department were amazingly rude and unhelpfull!



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