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Hi sorry is its the wrong place to paste this thread in but I donno whereelse to ask.

 

today i got this mail saying I have overdrawn £41.30 because lloyds had to take out £45 as CHG UNPLANNED O/D FEES.

but what is this CHG UNPLANNED O/D FEES?

 

i previously had overdrawn £35 because I had to buy something off ebay.

I paid the bank back within couple of days and now this????

 

can somebody explain this CHG UNPLANNED O/D FEES to me please?

 

is it going to be an annual thing where they take my money out every month or so??

(if so then i have no reason to live.....:p).

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it means you have gone over your limit [withdrawn/used more money than was in your account]

and thus have an unplanned overdraft.

 

and they charge fees because of that per day.

you are in an OD balance.

 

its only a one off charge

 

not monthly [unless you do it again]

 

though is not levied until the end of the month you were in OD

 

you might find bcobs useful here

 

what was SO important on ebay?

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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it means you have gone over your limit [withdrawn/used more money than was in your account]

and thus have an unplanned overdraft.

 

and they charge fees because of that per day.

you are in an OD balance.

 

its only a one off charge

 

not monthly [unless you do it again]

 

though is not levied until the end of the month you were in OD

 

you might find bcobs useful here

 

what was SO important on ebay?

 

laptop :)

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  • 3 weeks later...

You get charged daily for being in an overdraft if you don't have one or over an agreed limit. If you call them, they may be able to refund the charges for you.

 

For future reference, you don't get charged for being less than £10 overdrawn. Then get charged £5 daily for being £10-£24.99 overdrawn. £10 for being £25+

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bcobs

 

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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