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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds TSB unfair unplanned overdraft fees


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Hello,

 

On December 31st, I went overdrawn on my account. The money was taken by BT. I was not made aware of an upcoming payment because I hadn't received a letter from BT. The paper billing had been changed to online billing. I didn't change it myself. On January 16th, I noticed my account was overdrawn so I paid some money in to get my account back into credit.

 

There were no charges taken in January. In February, I was charged £30 and in March I was charged £80. Also, the unplanned overdraft interest charge and the £6 overdraft usage fee was applied. I was charged a total of £122.77 for being overdrawn by £97.47 by 15 days.

 

I spoke to the manager at my local branch. He said the charges are £10 each day I'm overdrawn but there is a cap. I asked if it's possible to get some of the money back but he just said to check my account regularly.

 

I'm thinking to write a letter to Lloyds TSB. I would be very grateful if someone can give me advice about how to go from here.

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Although not really your mistake that you have gone overdrawn, neither is it Lloyds'. Nothing to loose but I believe it would be a waste of time to write to them after you spoke already to the branch.

 

What generally should be regulated is that a bank - when there is no agreed overdraft - should not honour payments that take a customer overdrawn. Then they charge you an unpaid item fee but that's far less than unauthorized overdraft charges

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