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    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
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    • I can’t see a charging order happening without a successful court claim, and would your relative really expect that (given the timescales / the court’s backlog with covid) before any sale.   talk of charging orders In time is unrealistic. even talk of a SD (at least, a successful one!) might well be pie in the sky, too
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
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      • 16 replies

Contacting Llloyds BEFORE the problem absolute waste of time !!

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Contacted Llloyds last week (way before the date their exhorbitant charges are due), and after spending an hour on the phone to various departments and being given different information, I finally discovered this.


A little background - Lloyds customer for nearly 25 years (counts for nothing) and arranged OD for which I pay a huge amount. Due to job loss and other strife, this month, I had enough to put in to pay mortgage (also with them), but NOT quite enough to pay their ridiculously high fees. I would have enough to put in approx 2 weeks after the date they are due to take the charges. My account is in Collections so in theory I cannot be in an unauthorized OD situation - that is what they have told me, and I have had Direct Debits refused for this. I called to ask if they could extend my OD for one month by a small amount to cover this, OR defer taking their charges for two weeks. After initially being told that the former could be done at a very small extra charge (about 1.6%), I was referred to the department who arrange this. I was THEN told that, because my account is not in an unauthorized OD situation NOW, nothing can be done. I pleaded and explained very clearly thet the money I have transferred will pay the mortgage but NOT quite cover their charges, but they were having none of it. I am concerned now that they will default the mortgage payments so that their charges are paid - is that legal/ethical ? Now here is the real punchline...


Once I DO go into an unauthorized overdraft situation, I can increase my overdraft BY that same small amount, and for that one month but will still be charged the unauthorized overdraft fees which will then come out of the increased OD = damned either way. This seems to be a criminal way to do business - have I been ill advised or are they within their rights to do this ? I am really peed off with this bunch of shysters and this is the latest load of crap I have had from them.


Anyone advise/been there/links to legislation etc.


New to this forum but I have some sound advice I hope will be imparting in the weeks to come.


Thanks to all who take the trouble to reply - I will update this as the saga unfolds !!

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Sorry for replying to own thread, but this is an update.

They did indeed allow the account to go into unauthorized overdraft and say that the charge will be £15 per month, but no daily charges (cheers for that). I am now going to write to them asking for final response before taking it to litigation.

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