£80 charges for £3 OD ! plz help on how to approach because of circumstances !

[chedworth98]

Hi

 

Could somebody please advise i want to request unauthorised overdraft fees back but unsure how to approach ....

 

Banked with lloyds several yrs , have a c card with them , in april this year i got made redundant i am now on income support , i currently pay lloyds £1.00 pm on a 6.5k c card , in june they took the minimum payment for c card out of my account without me knowing and nearly wiped me out so i set up a new account elsewhere , i cancelled all d.d etc but i forgot about a subscription to equifax which uses my debit card they applied for £6.99 a month fee this put me - £3 , all the letters they were sending i presumed were for c card so left them unopened , however i eventually opened and saw it was overdrawn and paid £20.00 in , since then they have charged me £39.00 & £45.00 plus intrest which amounts to afew pounds and is continuing , my concern is i recieved my redundancy at beginning of june which was 2K , i didnt have time to stop it going into lloyds account and i immediately transferred it to my mum , i no longer have this as i had to use it towards mortgage arrears. but because they saw the money and i already owe 6.5k will them seeing this money affect my position to claim ?

i need to sort this asap before it gets bigger and more out of hand any advice would be greatly recieved . x

[chedworth98]

hi

After consideration i have decided to try and claim these charges back , i have drafted a letter outlining the circumstances and requesting they refund charges . if somebody would have a quick read through id appreciate it and any suggestions welcomed .....

 

I would like to request a refund of unfair excessive charges that have been applied to my account. I believe that the following charges as detailed below are excessive as they do not reflect the true cost of going into an unauthorised overdraft to the value of £3.06!!! for a total of 7 days !.

Due to financial difficultys commencing in april 2010 this year when i was made redundant i cancelled all direct debits and standing orders for the account and left a small balance in the account and believed that was how it would remain . However there was a request for £6.99 made to my debit card( via a online subscription that i believed had already been cancelled ) on the 28/6/2010 which you processed and allowed when there was insufficient funds , i am at a loss as to why this transaction was allowed as i have never requested any form of overdraft facility and to the best of my knowledge believed that if cleared funds were not in the account the debit card transaction would be refused ??? in allowing the transaction to proceed it caused the account to go into as specified by yourselves a unauthorised overdraft to the amount of £3.06.!!!

On the 7/7/2010 i became aware what had happened and proceeded to credit the account with £20.00. As the amount in unauthorised overdraft was only £3.06 and only for 7 days and i have never entered into a un authorised overdrawn position before that the deposit of £20.00 was more than sufficient in putting the account back into a positive balance .I was shocked and disgusted to recently discover that you have applied a £39.00 unplanned overdraft charge on the 02/8/2010, furthermore you then continue to apply another unplanned overdraft charge of £ 45.00 on the 01/09/10 and have applied interest in the sums of £1.06 & £0.40 in total £85.46. To add further insult when i call the collections department to discuss these charges i am advised that there will be a continuation of charges applied to my account until it is brought back into credit !!

Therefore i request that all charges and interest be refunded to the account within 14 days , furthermore the account be closed , the debit card cancelled immediately with written confirmation that this request has been actioned and any surplus funds to be offset against my credit card account. If this is not done i will proceed to make a claim against you for this amount plus interest and costs.

if anyone can help or advise id appreciate it x Thanks x