Just a few questions

[Dammam]

I've read the FAQ's etc, so my apologies if I'm asking something I should know.

I see that most people are claiming the full charges back - do we not make allowances for 'reasonable' costs? I know (from painful experience) that a lot of LloydsTSB work is now carried out in India where I'd imagine the wage to be in the £3-5 per hour area (unless I'm missing the point of them outsourcing), so maybe charges in this sort of area would be acceptable? I can't imagine it takes them an hour to pump out an automated letter.

I'm only asking because I'm preparing to go to Lloyds and claim charges back from the last year - these amount to arounf £1000 (I was amazed when I totted it all up). I know there are further charges going back over 6 years, but I'm a little reluctant to push my luck

The straw that broke the camels back was a charge due on March 1st of around £120. I went over my overdraft and they bounced 3 direct debits. The galling part was that they did all this before the banks opened for business (yes, it says that in their T&Cs) and I deposited sufficient cash to meet the DDs and stay under the overdraft on the very same day! It was also my payday the next day (same as it has been for years) which I'm sure they would have known if they had just checked my account. Due to this I am being charged over 40% of my weekly wage! This in turn is going to leave me struggling next month.

I had tried to extend my overdraft online the night before, but was refused which just rubs salt into the wound.

I emailed customer services and asked if they would consider cancelling this latest charge, but they said they were unable to help and suggested I talk to my Branch.

 

Stuff it, I think they're taking the mick now, so I guess I'm going to go for it.

(P.s I saw the article in the Sunday Express so I think I'll need to beat the rush).

[Dammam]

Thanks. I'm not litigious by nature but some of the charges have really peed me off - especially the latest.

I looked at my online banking as recommended elsewhere here and I can indeed go back as far as July 2002 and search for all charges.

 

Frighteningly, from July 2002 thru November 2003 I paid out £2102.63 in various charges. From December 2003 until now I have paid an extra £1154.76 plus the £120 or so due! Many times they have bounced cheques, debits etc when the money was going into the bank next day (regularly, every Thursday) In January 2003 I was hit for £387.95 in charges! More than a weeks wage for me.

 

My worry is that I may for some reason lose the case due to something I may have missed.

[Dammam]

Oh well, in for a penny in for £1000. Email sent - I added a few bits to the template so will wait to see what they come back with.

I only claimed from July 2002 to a) save time and b) if they see that they would be liable for even more in the remaining 2 years, which they'll have to detail if they refuse my claim, it may force their hand somewhat.

 

Thanks for the help and advice. If you guys need donations to run this site and I win, I'll be happy to provide a %age to the website.

[Dammam]

Got the standard email reply back.

 

Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.

I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB accounts.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Customer Care. I have asked that he notes your comments/the issues you have raised and that a response be sent to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Customer Care

Birmingham

 

 

 

(I have my suspicions that he just cut and pasted this you know).

[Yyates]

Got the standard email reply back.

 

Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.

I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB accounts.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Customer Care. I have asked that he notes your comments/the issues you have raised and that a response be sent to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Customer Care

Birmingham

 

 

 

(I have my suspicions that he just cut and pasted this you know).

 

He probably did lol same mail i got and same person too, the next mail to come is identiacal to all the other lloydstsb 2nd mails posted on here lol mine is by David Just assistant manager, i think there are many assistant managers lol oh i got a letter too saying they will comply with my DPA request within 2 weeks. Don't let them take your money its yours by right, I downloaded my statements yesterday for 3 1/2 years and found it to amount to £2300 the statement i am missing i know for a fact contain the big charges the same as yours £300/£400 per month rolling onto the next month and adding extra on again. When i think of how afraid i was on the post man and how the only day i would come out of hinding was Sundays I am as angry as hell over it and i WANT my day in court but alas i probably wont get it but i will have the satisfaction of winnng albeit in a small way an organisation that controls its users and dictates too. :twisted:

[Dammam]

This topic was closed on 03/05/19.

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