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Lloybs TSB overdraft Letter


Del_Vincent
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Today my wife received a letter Lloyds TSB this morning asking for payment within two days of receipt of this letter all the outstanding unplanned overdraft on her Cheque Account.

 

The history behind the reasons for the unplanned overdraft is complex, and a brief summary follows

Since March 2009 my wife has been signed off work due ill health for a number of reasons, up until Sept 2009 we have been managing on my salary and her sick pay from work, after this date she was only receiving reduced payments.

 

We have a Lloyds TBS loan which allows for payment holidays. but when we applied for a payment holiday, because the lloyds account (The one which now has the unplanned overdraft) where the regular payments were being made from was nearly every month going overdrawn they refused.

Now that even the my wife's reduced salary had stopped. the loan payment has been taken, which has caused this unplanned overdraft.

 

We were unable to delete the direct payment between the loan and the account. thus stopping the account going overdrawn.

 

Is they any assistance that any one could give in how to tackle this letter. We have tried to explain the situation to Lloyds but they do not want to take any notice.

 

Is it acceptable to ask for two days to repay the unplanned overdraft, even if the major reason the account went into the unplanned overdraft was because of them.

 

Is there any mileage in trying to put forward an Hardship case .

 

Any help would be appreciated.

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Today my wife received a letter Lloyds TSB this morning asking for payment within two days of receipt of this letter all the outstanding unplanned overdraft on her Cheque Account. typical lloyds tactic.

 

The history behind the reasons for the unplanned overdraft is complex, and a brief summary follows

Since March 2009 my wife has been signed off work due ill health for a number of reasons, up until Sept 2009 we have been managing on my salary and her sick pay from work, after this date she was only receiving reduced payments. lloyds would not care.

 

We have a Lloyds TBS loan which allows for payment holidays. but when we applied for a payment holiday, because the lloyds account (The one which now has the unplanned overdraft) where the regular payments were being made from was nearly every month going overdrawn they refused.

Now that even the my wife's reduced salary had stopped. the loan payment has been taken, which has caused this unplanned overdraft. this is lloyds bouns banker fund pot, they make a vast amount on these unplanned od fees. maybe one day thier greed will choke them.

 

.We were unable to delete the direct payment between the loan and the account. thus stopping the account going overdrawn. if you have internet banking with them you can cancel the dd, i did it with my loan. i now pay my payments in branch. they dont like it , but they cant charge me any more fees.:lol::lol:

 

Is they any assistance that any one could give in how to tackle this letter. We have tried to explain the situation to Lloyds but they do not want to take any notice. sorry but as you say they wont listen, they only want them fees.you must cancel the dd.

it acceptable to ask for two days to repay the unplanned overdraft, even if the major reason the account went into the unplanned overdraft was because of them:-x. they can demand payment for a overdraft when they like, however what they demand and what they get are indeed up to you.

 

Is there any mileage in trying to put forward an Hardship case . worth a try. if they dont, you could complain to the fos, if the fos look into your complaint it will cost the pirates at lloyds £500;-)

 

Any help would be appreciated.

 

i have been in the same situation as you with lloyds, but thanks to cag i have learnt to fight back, dont let them get you down. good luck.

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