hello and help

[heather79]

hi all newbie hear

 

i have just received aletter from Lloyds saying they are debiting £35.00 for an unpiad direct debit i also have an unpiad standing order to be processed as well. i have spoke to the internet bancking and they say go to my back and ask them first. they have already tried to fob me off to pay the £35.00 which is ludricous and i have now written a letter to them. has anyone done this befor the charges have been debited from there account and what happended.

 

i do have to say that lloyds is a terrible bank and will not assist you at any point. i am currently openeing another account with nationwode for my wages and direct debits to be taking out off.

 

also does anyone have a template which i can send off in the first instance to reclaim my previous charges.

[blackcatchillers]

Hi Heather,Im a newbie here too,but from what ive seen on this site it wont be long before your armed up to the teeth with info from peeps who play real hardball with the banks.Good luck.

[skbuncks]

Hi heather

It doesnt hurt to try to get a charge wiped out before its debited from your account, think i've managed to do it on a couple of accasions over the years. At the end of the day its gunna depend on who you speak to and what mood they're in. Just be polite and you never know your luck.

 

As for claiming back your charges you must first obtain your last six years of statements and tot up exactluy how much they owe you. You can then start the wheel turning on claiming the lot back. All the templates and step by step instructions can be found here on this site so please read thorugh the FAQs

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ before starting.

Keeps us informed and good luck

skb

[heather79]

ha just went into the bank and they aksed why i thought the charges were too much. but as i thought they wouldnt budge on reducing or deleting them. so i promptly handed them a letter saying that because of the OFT it was unlawful for them to charge £35.00. this will now be passed onto there cusotmer care department to be dealt with.

[heather79]

hi, i challenged the bank to give me breakdown of the charges and that they were once gain being illegal and i have now been given 30 notice on my accounts. they will be shutting them!!!!

[stevokenevo]

Oh Dear, At any point did you stop to read the FAQ's. step-by-step instructions or rules of engagement which are all available from the bank templates library??

It is all very well arming yourself with a piece of information, but if you spent long enough reading these forums you may have learned there is a tried and tested method of recovering your charges.

 

i challenged the bank to give me breakdown of the charges and that they were once gain being illegal

 

The charges are not illegal, they are unlawful. If you have not distinguished between the two, you have not done enough research.

 

Perhaps if you post details of the letter, informing you of your 30days notice, someone with a bit more knowledge than me might be able to help.

In the meantime, spend some time searching the forum for information on banks closing accounts as retaliatory measures, and what you can do about it!!

 

Good Luck

S

[heather79]

hi yes i have read the forums taking the information to succesfully receive my last 6 years of bank charges, sorry i meant to say unlawful and have said this in my letters.

 

the problem being they are still taking charges off me at the usual rate being £30/£35. at this point in time this month it is £95 worth of charges and next month £35. can you give me the link so i can see a forum about them closing accounts, im not really that bothered about them shutting the accounts as i have found the service and memebrs of staff within my local branch rather poor and they have been well taught on what to say to the customer when they appraoch them to challenge the charges, espcially when i was told that on no uncertain terms will they be refunding my charges this time around as i have already had them refunded. i have spoke to the financial osbudman about this and they have asked me to fill in a complaint form due to them closing my accounts because i have challenged them again about my charges. they can proceed to take to take the charges and i will send them the letter step 2 of the stage (as i know what bank charges they are and what date) and i will also be including the interest which they never paid me when they refunded my charges from the past 6 years.