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    • How do I transfer my number plate V750? Transfer by post Check the expiry date on your V750 or V778 to make sure it is still valid. Ensure that the registered keeper for the receiving vehicle matches the Grantee or Nominee name on the certificate. Complete relevant sections of your V750 or V778 document and sign it where instructed. https://www.gov.uk/personalised-vehicle-registration-numbers/renew-private-number-certificate  
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    • Good to hear OldGAl well done topic title updated.   Andy
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Unplanned Overdraft

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Hi guys, I am not to sure where I stand with this at all.


I had an account that was always in credit until I had lost my job and met a psycho ex girlfriend, and then things spiraled down from there..


My bank account went into an "Unplanned Overdraft" only a small amount - and I just buried my head in the sand about and completely ignored it.. After awhile I completely forgot about the account as I had no correspondence from them at all.. Now I have a new job and away from my ex I wanted to get it sorted but to find that my account was £-800!! When my first wages got put in there it all got swallowed up, I rang them up and explained and they set up a payment plan of £200/month..


Is this right? It seems a bit excessive to be £-800 because of going overdram by a matter of pounds?

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Who is the creditor? and also did you deal with the bank collections directly?

Can i make a suggestion... Do everything in writing with them and also make sure that you dont put yourself into financial hardship :) (IE dont let them bully you)

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Lloyds? dont even go there, ive lodged complaint after complaint after complaint about their collections team... Rude, Vile, And Arrogant ... thats them to a Tee :(

Have you set up a temporary overdraft with them for the amount and reduce in monthly installments?

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Yeah thats exactly it!! They have put it as a temporary overdraft and I lower the amount by £200/month..


So what are you saying that I should just pay back the money and not bother or is there something I can do.. Its more the moral of it it really not the monetary value..

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Pay it back... but do it at a lower amount per month, £200? per month? It sounds like they are taking you for a ride :/

Amend the payment plan with them and be firm.... they are taking you round the fields :/


Also if you were to do it like that you'd clear it off in 11 months. ....(£75 per month and gives you extra income to sort you out and stop you from hitting the wall :)

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I would add that you might want to get another bank account and divert your wages into that account to protect them incase you're pressured into an unmanageable plan x


I was also just about to mention that :) , i think he should do both;


- Amend the payment plan

- Set up / Use an existing account outside of the Lloyds Umbrella (Halifax , Bank Of Scotland.... etc) to prevent offsetting funds... :?

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What charges have been added to this account?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I never had an overdraft whatsoever - but then i went into the 'Minus' of about £30 and the rest is all bank charges. So I assume it was an unplanned overdraft that has just got bigger and bigger..

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The Lloyds rule is a £6.00 overdraft fee per month and a MAXIMUM charge of £80.00 per month. Your problem was burying your head in the sand and ignoring any letters. Ask for a breakdown of all the charges made then negotiate a settlement. They are very sensitive to complaints as they have had far too many and been fined again and again by the regulator.

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  • 3 weeks later...

No it hasnt defaulted.. This had originally started from me going £3 overdrawn in Sept 2011 and the rest is charges - i have now paid off £200 so it is at -530 or near there!!


I just think that this is abit unnecessary as it was from going overdrawn £3.. I had lost my job which is the reason I couldnt pay the overdraft off in time...

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  • 4 weeks later...
No it hasnt defaulted.. This had originally started from me going £3 overdrawn in Sept 2011 and the rest is charges - i have now paid off £200 so it is at -530 or near there!!


I just think that this is abit unnecessary as it was from going overdrawn £3.. I had lost my job which is the reason I couldnt pay the overdraft off in time...


Lloyds TSB doesn't charge anything for going up to £10 overdrawn whether its into a planned or unplanned overdraft :???:

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