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Loyds TSB Advice Please


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Hi, could anyone give me some advice please. I have a current account with Loyds Tsb I dont use it that often its not my main account. I only had about £3.00 left in it so I decided to use it to buy an online game from Bigfish which I think is American, the game was only £2.18 which was fine. Then I got a letter from tsb saying I had gone into an unplanned overdraft by 0.08p and would be charged £27.00. I couldnt understand why I went overdrawn so I paid £1 into the account. I have just recieved a statement and the reason I went od was that they had charged £1 for an overseas payment charge. This is so unfair. Is there anything I can do. I have not paid the £27.00 there is only 0.92p in the account. Is there anything I can do this to me seems very unfair I went into an unplanned overdraft to pay them their £1. Any advice would be appreciated. Thankyou

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I think that there is nothing you can do about this.

 

Lloyds has received the green light to levy charges at any rate they want as long as they communicate with you and have let you know upfront about their charging structure and have given you notice that they will be deducting the charge from your account.

 

Unfair? Yes, grossly so. But then, who ever thought that the banking industry had anything to do with fairness.

 

They are dominant players in a non-competitive industry. You are nothing to them. They are currently making huge profits beyond anything they ever made before the recession which they created.

In fact their self-made recession is returning such huge profits that I can imagine that they may be planning another recession just as soon as this one is over.

 

Find the money, pay off the charge. Get the account into a few pence credit and then leave it.

Don't close it. It is more niggling to them to have an account with a few pence open than for you to close it.

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