@asklloydsbank Lloyds and plunging me into trouble years ago!

[azzadle]

Back when I was younger and stupid,

I got myself into a world of financial trouble which all stemmed with this rotten lot.

 

 

I ended up being charged £90 for being O/D by a couple of quid,

struggled to pay this back and kept going O/D because they were authorising payments to allow me to do so.

 

 

I had to, needed fuel etc to get to work.

 

 

This spiralled to the point that charges totalled £1,500 but they kept increasing my O/D limit to cover it every time,

they must have done this about 8 times and whacked interest on top.

 

There were times I was being charged £234 in one month,

my income was £800 and with other things to pay I just got stuck in a massive debt spiral

that led to me being granted a DRO in Feb 2011.

At the time the balance was £1,408.

 

Would I have a case to claim any money back from them, possibly on irresponsible grounds?

 

 

Yes, I was very stupid at the time (also had a CC with them which I was struggling with so they offered me a loan to pay back instead!)

all these charges I was never going to pay off because of extra interest on top.

 

 

They rejected a bank charges claim from me in 2009,

wondering if it's an idea to go down this route and will the DRO scupper anything?

 

 

Balance is 0 with CRAs,

[intend]

Did you have a packaged account/s during this period for which you were charged a monthly fee??

[azzadle]

Nope

[intend]

Pity as reclaiming this would be easier than for bank charges. Not impossible but very very difficult. Hopefully someone will be along soon with some advice.

[azzadle]

I'm glad you mentioned this, thought i'd check with them today and i had a fee paying account. Totalled £159 over 2 years going back to March 2007. Got a claim in for that, thanks!

[azzadle]

Claim rejected as I'd used the breakdown cover once. Don't actually remember that.. Oh well.

[dx100uk]

matters not

the cost should simply be removed from the total

 

 

don't forget you are entitled to 8% stat int on each payment from the date it was made

 

 

StatIntSheet v101.xls

 

 

you need the date of the usage and what it cost them.

 

 

sar might reveal it.

 

 

what actually happen when you used it , full recover or what?

 

 

dx

[azzadle]

Flat battery, they came out, jump started it, charged me about £25 quid for it and off they went! I do remember it now, was on the way to work and all the dash lights etc and radio just went off. Got there and it wouldn't start again.

[azzadle]

Only just got their final response letter, taken it to FOS.