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Hi all

I was talking to a cagger re my claim as I cannot get the forums spreadsheet to work & cannot get my head around working out the interest. I have put my claim onto the spreadsheet but cant get it to work it out I will try & add it as an attachment at the end if anyone can help. Now for the really weird thing I was working out my claim from the papers LTSB sent & for ages now I have owed £1263.85 & have tried to close my A/c down to stop incurring more charges. I was told I couldnt as I owed money. Today however looking at the final page to my statements I noticed it said "07 Aug09 CLOSED ACCOUNT" when I looked further it stated that on the "07Aug09 DEP TFR TO CDR" & UNDER THE COLUMN PAID IN £1,304.17 :eek: leaving me with £22.15 in my A/c then after 2 lots of O/DRAFT INTEREST @ 20.28 & 1.87 comes to exactly £22.15 leaving my A/c at zero. WHATS GOING ON? anybody got any ideas & what is the DEP TFR TO CDR mean. :confused: Even if theyve wiped out my A/c I'm sure they will still owe me.

ps Tried to import Excel doc but I cannot get it to the forum, any ideas.:oops:

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Which spreadsheet are you using ?

 

Its possible that they have transfered your account to a Debt Recovery Dept

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

 

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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.

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I have tried every way to get the simple excel spreadsheet onto the forum so I am going to cut & paste. I was hoping someone could tell me if it is right & how do I go about restitutional charges & overdraft interest etc? Sorry to be such a numbskull but I find it all so complicated. Also my post above what are your views on that Re: Lloyds sending me a statement saying I now no longer owe nil my A/c is zero on my debit A/c & A/c now closed.

O/DRAFT USAGE FEE

£25.00

01/06/2001

3058

£16.82

O/DRAFT INTEREST

£0.38

02/01/2002

2844

£0.24

O/DRAFT USAGE FEE

£25.00

02/01/2002

2844

£15.64

O/DRAFT USAGE FEE

£25.00

01/02/2002

2814

£15.48

O/DRAFT INTEREST

£0.12

01/07/2002

2662

£0.07

O/DRAFT EXCESS FEE

£60.00

01/07/2002

2662

£35.14

O/DRAFT INTEREST

£0.11

02/09/2002

2599

£0.06

O/DRAFT INTEREST

£0.94

01/11/2002

2539

£0.53

O/DRAFT EXCESS FEE

£40.00

01/11/2002

2539

£22.34

ACCOUNT CHARGE

£8.00

01/05/2003

2358

£4.15

ACCOUNT CHARGE

£8.00

02/06/2003

2326

£4.09

ACCOUNT CHARGE

£8.00

01/07/2003

2297

£4.04

O/DRAFT EXCESS FEE

£20.00

01/08/2003

2266

£9.97

ACCOUNT CHARGE

£8.00

01/08/2003

2266

£3.99

O/DRAFT EXCESS FEE

£20.00

01/09/2003

2235

£9.83

ACCOUNT CHARGE

£8.00

01/09/2003

2235

£3.93

ACCOUNT CHARGE

£8.00

01/10/2003

2205

£3.88

O/DRAFT INTEREST

£0.10

03/11/2003

2172

£0.05

ACCOUNT CHARGE

£8.00

03/11/2003

2172

£3.82

ACCOUNT CHARGE

£8.00

01/12/2003

2144

£3.77

ACCOUNT CHARGE

£8.00

02/01/2004

2112

£3.72

ACCOUNT CHARGE

£8.00

02/02/2004

2081

£3.66

O/DRAFT EXCESS FEE

£20.00

01/03/2004

2053

£9.03

ACCOUNT CHARGE

£8.00

01/03/2004

2053

£3.61

ACCOUNT CHARGE

£8.00

01/04/2004

2022

£3.56

ACCOUNT CHARGE

£20.00

04/05/2004

1989

£8.75

ACCOUNT CHARGE

£8.00

04/05/2004

1989

£3.50

ACCOUNT CHARGE

£10.00

01/06/2004

1961

£4.31

ACCOUNT CHARGE

£10.00

01/07/2004

1931

£4.25

ACCOUNT CHARGE

£10.00

02/08/2004

1899

£4.18

ACCOUNT CHARGE

£10.00

01/09/2004

1869

£4.11

ACCOUNT CHARGE

£10.00

01/10/2004

1839

£4.05

O/DRAFT EXCESS FEE

£20.00

01/11/2004

1808

£7.96

ACCOUNT CHARGE

£10.00

01/11/2004

1808

£3.98

ACCOUNT CHARGE

£10.00

01/12/2004

1778

£3.91

ACCOUNT CHARGE

£10.00

04/01/2005

1744

£3.84

ACCOUNT CHARGE

£10.00

01/02/2005

1716

£3.78

O/DRAFT INTEREST

£0.23

01/03/2005

1688

£0.09

O/DRAFT EXCESS FEE

£25.00

01/03/2005

1688

£9.28

ACCOUNT CHARGE

£10.00

01/03/2005

1688

£3.71

ACCOUNT CHARGE

£10.00

01/04/2005

1657

£3.65

UNPAID D/D

£64.00

03/05/2005

1625

£22.88

ACCOUNT CHARGE

£10.00

03/05/2005

1625

£3.58

ACCOUNT CHARGE

£10.00

01/06/2005

1596

£3.51

ACCOUNT CHARGE

£10.00

01/07/2005

1566

£3.45

ACCOUNT CHARGE

£10.00

01/08/2005

1535

£3.38

ACCOUNT CHARGE

£10.00

01/09/2005

1504

£3.31

O/DRAFT EXCESS FEE

£30.00

03/10/2005

1471

£9.71

ACCOUNT CHARGE

£10.00

03/10/2005

1471

£3.24

ACCOUNT CHARGE

£10.00

01/11/2005

1442

£3.17

O/DRAFT EXCESS FEE

£30.00

01/12/2005

1412

£9.32

UNPAID D/D

£70.00

01/12/2005

1412

£21.74

ACCOUNT CHARGE

£10.00

01/12/2005

1412

£3.11

ACCOUNT CHARGE

£10.00

03/01/2006

1378

£3.03

OVERDRAFT INTEREST

£0.12

01/02/2006

1350

£0.04

O/DRAFT EXCESS FEE

£60.00

01/02/2006

1350

£17.82

ACCOUNT CHARGE

£10.00

01/02/2006

1350

£2.97

O/DRAFT EXCESS FEE

£30.00

01/03/2006

1322

£8.73

ACCOUNT CHARGE

£10.00

01/03/2006

1322

£2.91

ACCOUNT CHARGE

£10.00

01/04/2006

1291

£2.84

ACCOUNT CHARGE

£10.00

01/05/2006

1261

£2.77

ACCOUNT CHARGE

£10.00

01/06/2006

1230

£2.71

ACCOUNT CHARGE

£10.00

01/07/2006

1200

£2.64

OVERDRAFT INTEREST

£0.42

01/08/2006

1169

£0.11

O/DRAFT EXCESS FEE

£90.00

01/08/2006

1169

£23.15

ACCOUNT CHARGE

£10.00

01/08/2006

1169

£2.57

OVERDRAFT INTEREST

£0.17

01/09/2006

1138

£0.04

O/DRAFT EXCESS FEE

£30.00

01/09/2006

1138

£7.51

UNPAID D/D

£35.00

01/09/2006

1138

£8.76

ACCOUNT CHARGE

£10.00

01/09/2006

1138

£2.50

ACCOUNT CHARGE

£10.00

02/10/2006

1107

£2.44

O/DRAFT EXCESS FEE

£30.00

01/11/2006

1077

£7.11

ACCOUNT CHARGE

£10.00

01/11/2006

1077

£2.37

ACCOUNT CHARGE

£10.00

01/12/2006

1047

£2.30

O/DRAFT EXCESS FEE

£30.00

02/01/2007

1015

£6.70

ACCOUNT CHARGE

£10.00

02/01/2007

1015

£2.23

ACCOUNT CHARGE

£10.00

01/02/2007

985

£2.17

OVERDRAFT INTEREST

£0.34

01/03/2007

957

£0.07

O/DRAFT EXCESS FEE

£30.00

01/03/2007

957

£6.32

ACCOUNT CHARGE

£10.00

01/03/2007

957

£2.11

O/DRAFT EXCESS FEE

£60.00

02/04/2007

925

£12.21

ACCOUNT CHARGE

£10.00

02/04/2007

925

£2.04

ACCOUNT CHARGE

£10.00

01/05/2007

896

£1.97

ACCOUNT CHARGE

£10.00

01/06/2007

896

£1.97

OVERDRAFT INTEREST

£0.28

02/07/2007

865

£0.05

O/DRAFT EXCESS FEE

£10.00

02/07/2007

865

£1.90

OVERDRAFT INTEREST

£0.31

01/08/2007

834

£0.06

O/DRAFT EXCESS FEE

£30.00

01/08/2007

834

£5.50

ACCOUNT CHARGE

£10.00

01/08/2007

834

£1.83

O/DRAFT EXCESS FEE

£30.00

03/09/2007

801

£5.29

ACCOUNT CHARGE

£10.00

03/09/2007

801

£1.76

O/DRAFT EXCESS FEE

£30.00

01/10/2007

771

£5.09

ACCOUNT CHARGE

£10.00

01/10/2007

771

£1.70

OVERDRAFT INTEREST

£0.37

01/11/2007

740

£0.06

O/DRAFT EXCESS FEE

£60.00

01/11/2007

740

£9.77

ACCOUNT CHARGE

£10.00

01/11/2007

740

£1.63

OVERDRAFT INTEREST

£0.23

03/12/2007

708

£0.04

UNPLANNED O/DRAFT FEE

£30.00

03/12/2007

708

£4.67

ACCOUNT CHARGE

£10.00

03/12/2007

708

£1.56

OVERDRAFT INTEREST

£0.13

02/01/2008

678

£0.02

UNPLANNED O/DRAFT FEE

£120.00

02/01/2008

678

£17.90

ACCOUNT CHARGE

£10.00

02/01/2008

678

£1.49

OVERDRAFT INTEREST

£0.43

01/02/2008

648

£0.06

UNPLANNED O/DRAFT FEE

£170.00

01/02/2008

648

£24.24

ACCOUNT CHARGE

£10.00

01/02/2008

648

£1.43

OVERDRAFT INTEREST

£1.58

03/03/2008

617

£0.21

UNPLANNED O/DRAFT FEE

£135.00

03/03/2008

617

£18.32

RETURNED D/D

£20.00

03/03/2008

617

£2.71

ACCOUNT CHARGE

£10.00

03/03/2008

617

£1.36

OVERDRAFT INTEREST

£3.71

01/04/2008

589

£0.48

UNPLANNED O/DRAFT FEE

£75.00

01/04/2008

589

£9.72

OVERDRAFT INTEREST

£4.49

01/05/2008

559

£0.55

OVERDRAFT INTEREST

£2.83

02/06/2008

527

£0.33

OVERDRAFT INTEREST

£3.16

01/07/2008

499

£0.35

OVERDRAFT INTEREST

£2.89

01/08/2008

468

£0.30

OVERDRAFT INTEREST

£3.15

01/09/2008

438

£0.30

OVERDRAFT INTEREST

£3.18

01/10/2008

409

£0.29

OVERDRAFT INTEREST

£3.13

03/11/2008

379

£0.26

UNPLANNED O/DRAFT FEE

£215.00

03/11/2008

379

£17.93

RETURNED D/D

£20.00

03/11/2008

379

£1.67

OVERDRAFT INTEREST

£3.50

01/12/2008

352

£0.27

UNPLANNED O/DRAFT FEE

£215.00

01/12/2008

352

£16.65

RETURNED D/D

£20.00

01/12/2008

352

£1.55

OVERDRAFT INTEREST

£6.21

02/01/2009

320

£0.44

UNPLANNED O/DRAFT FEE

£215.00

02/01/2009

320

£15.14

OVERDRAFT INTEREST

£10.80

02/02/2009

289

£0.69

UNPLANNED O/DRAFT FEE

£215.00

02/02/2009

289

£13.67

OVERDRAFT INTEREST

£13.81

02/03/2009

261

£0.79

UNPLANNED O/DRAFT FEE

£39.00

02/03/2009

261

£2.24

OVERDRAFT INTEREST

£15.54

01/04/2009

233

£0.80

OVERDRAFT INTEREST

£17.42

01/05/2009

203

£0.78

OVERDRAFT INTEREST

£17.66

01/06/2009

172

£0.67

OVERDRAFT INTEREST

£18.50

01/07/2009

142

£0.58

OVERDRAFT INTEREST

£18.17

03/08/2009

109

£0.44

OVERDRAFT INTEREST

£20.28

07/08/2009

105

£0.47

OVERDRAFT INTEREST

£1.87

07/08/2009

105

£0.04

 

 

 

 

 

 

£3,268.56

 

 

£684.27

 

 

 

 

 

 

 

 

 

£3,952.83

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