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Full-time student - chances of getting the money back?


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Hello,

 

I believe that you deal with such cases on this message board quite frequently, but I have some questions and I would welcome the opinions of local experienced folk.

 

I am registered as a full-time university student (sorry for my English in advance, I am foreign) just finishing my masters programme, I did undertake a full-time undergraduate degree here in the UK in the past as well. I was in a full-time employment during these periods, I used to work on nights and I was studying on days.

 

I got charged by Lloyds TSB plenty of times, as I was paying my university fees out of my own pocket, except one year and I am still every month in deep overdraft (2000GBP) on my Platinum Account (I have it just to have this overdraft option with lower interest), plus both my credit cards are permanently empty. I am pretty sure that once I am done with paying my university fees (which happened quite recently), I can get out of the debt very quickly.

 

Today, I was charged once again this time it was 70 pounds for unplanned overdraft and another 40 or so for the returned DDs. Now this happened in the past as well, even during my 9-month long unemployment period LLoyds kept charging me all the crazy fees and as far as I am counting, I payed probably 1500 on unplanned overdraft fees and returned DDs fees. This often happened just because the bank charged me its own fees and because of them I got into unplanned OD, one month later I was eventually charged for this one as well.

 

As I am a self-employed person right now, but still in a full-time education (I should graduate in December), are there any chances I could be successful in claiming back my money? I do have an income, which is much higher than the minimum wage, but I am still in continuous debt, as I had to pay my university charges and accommodation fees regularly.

 

The last question is rather hypothetical - I am planning to remain in a self-employment status and maybe in the future I may try to ask either for a mortgage or high-amount loan, will that influence my relationship with the bank and will the other banks know if I will try to claim back the charges back? Is there no "blacklist" of customer who did that and they will have it difficult to ask for a loan of a mortgage?

 

I will welcome any kind of advice.

 

Thanks.

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