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Lloyds - Unplanned Overdraft disgrace


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I come home the other day and find a letter from Lloyds telling me I have gone into red. First reaction is wtf! Letter shows an OD of about 3 times the OD limit they had set to my a/c automatically without me ever asking for it.

 

Having a better look I realised that a credit card I am using had mistakenly carried out a direct debit payment on my account twice.

 

The fee is small because I caught the issue early. But to focus on the actual issue, I never authorised Lloyds to give me any overdraft, let alone an "Unplanned Overdraft". I have 0 debt, 0 loans and never used any overdraft with them whatsoever, so I ring them up...

 

I spoke to an operator on the phone who was useless and kept repeating like a tape player about the fees, trying to convince me the issue is with the other party etc. I told them they are operating a debit a/c as a credit card which I never asked for. My understanding is that the point of having a debit card is to spend as much as you have, not a penny more. Even worse, if there is an overdraft "limit" (approved or not) it is there for a reason. I told them the transaction should be blocked, whether payment is made or not is a problem between me and the third party, since I may not have sufficient funds.

 

I had them put the manager on the phone eventually who supported that, they have to abide to the Direct Debit scheme guarantee and have to proceed with the transaction (as to full-fill my obligation to the third party) and, they are not able to know it has gone in the red until it does!

 

I respond like "ok, silly example, according to Lloyds some idiot decides to DD me for £1m. So Lloyds will OD me for one million plus fees for every single day while I may have no clue about this transaction and the OD goes on?"

 

The bank now suggests I have to go after the credit card company to pay the fees. On further argument they claimed they have a "policy" to honour the fee (if the CC don't pay for it) once per 12 months, but I should consider saving that option for a genuine fraud case in the future. I can't help but consider this to be the genuine fraud, making thousands of pounds in overnight deposits from my accounts while they expect me to pay fees for an OD they generated themselves.

 

What will happen if I am on holidays and I don't even notice...

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bcobs complaint

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thank you for your response. It's the first time I'm dealing with this, please forgive any naive questions.

 

If I understand correctly I can deal with this as BCOBS "unfair treatment"? What grounds can I claim for this? e.g Imposing an overdraft on a basic account

 

Is what the manager claimed about "honouring their obligation to the DD scheme" true under the circumstances and should I send my complaint to Lloyds directly?

 

Just to clarify, I don't have any debt with them like I read in some other cases (and I don't want to have anyway) but this appears to me as a way of forcibly placing customers into debt without their approval.

 

Also, should I chase the CC to pay up the fees for their mistake, or by doing so I would be justifying the unlawful (in my view at least) action of Lloyds to put me in "unplanned OD".

 

Finally, can I somehow instruct them to never do this again, do the other banks have this approach if I wanted to move away from Lloyds?

 

Sorry for the many questions, only trying to understand better.

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  • 2 weeks later...

On a basic account there should be no overdraft facility and the DD should have been returned

 

If an incorrect DD is processed by the bank (the second one being incorrect) the bank MUST refund immediately AND refund any charges applied because of that.

Lloyds are awful about refunding charges when they should be returning accounts to the position that they would have been in had the unauthorized payment not been taken

I am still arguing with them years later!

Hit them hard now. Demand - don't ask - that's where I went wrong

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Having looked at BCOBS I may have got this wrong?

 

Lloyds placed a £400 OD to my current account automatically (which I have now returned to 0). But it's not like they refused to offer me OD because I never asked for one, I simply don't like it and don't need it. Then they pushed my account into UOD because of a DD payment.

 

The DD is set up to pay off the CC every month. Unfortunately I cannot claim it was unauthorised, but the thing is I made a full payment to the CC (by DD) to bring the balance to zero before the DD.

 

The problem is that the CC operator insists any payment made manually by DD, will still be disregarded by the monthly DD

and the full amount will be taken (!?).

 

To clarify the two payments are more than two weeks apart and not within a "transfer" period.

 

So a multi-billion company has no means of checking what payments have been made and decide whether the amount should be taken or not, great.

 

On top of this they said I have to call them in advance to let them know I've made an earlier payment.

 

Where do I stand with Lloyds on this?

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it is unfair that they have not decided to rerund the problems from the 'not required' DD

 

it may well be that the system is automatic

and at the time the calc was done for min payment for the monthly DD

the 'manual payment' had not cleared, shown or whatever.

 

however, the FACT remains IT IS UNFAIR, what they have allowed to happen

 

that is your complaint

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

it is unfair that they have not decided to rerund the problems from the 'not required' DD

 

it may well be that the system is automatic

and at the time the calc was done for min payment for the monthly DD

the 'manual payment' had not cleared, shown or whatever.

 

however, the FACT remains IT IS UNFAIR, what they have allowed to happen

 

that is your complaint

 

dx

 

Thank you for clarifying! :)

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