hello everyone

[camartist]

can anyone help with some advice please, we bank with lloyds, and a direct debt of £10.40 was due out we only had about £2.80 in so they refused it saying we would be £8 something overdrawn. i didnt think we would get charged with it being under £10 but no they said the direct debit was 40p over so they are charging me £35.00 to be taken out on the 1st dec. Can i send a letter saying im not happy? your help would be very welcome:)

[Allyxia]

Hello and Welcome

 

First of all don’t panic - you will soon have your money back in your hands where it belongs!!

 

Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!!

 

Remember the banks have acted unlawful you haven’t!!!

 

Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!

 

Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that!

 

First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

Im sure you will find a lot more than one charge hidden in your statements !!!!

 

If you already have your statements then you can start by sending them the Prelim letter.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

 

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

 

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

 

Good Luck

[Guest Mumofthreeboys]

can anyone help with some advice please, we bank with lloyds, and a direct debt of £10.40 was due out we only had about £2.80 in so they refused it saying we would be £8 something overdrawn. i didnt think we would get charged with it being under £10 but no they said the direct debit was 40p over so they are charging me £35.00 to be taken out on the 1st dec. Can i send a letter saying im not happy? your help would be very welcome:)

 

Of course you can, they are here

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

[camartist]

thanks for your help:)

[camartist]

went on site cant find right template thanks for your help anyway:)

[Allyxia]

What letter do you want, are you just going to claim back the one charge or do you want to start a claim for the last six years?

[gizmo111]

Is this your only charge or do you have others?

[camartist]

this is only charge, under lot of pressure could do without it.

[camartist]

What letter do you want, are you just going to claim back the one charge or do you want to start a claim for the last six years?

just to claim one back

[gizmo111]

If it is your only charge - it would probably be worth giving the bank a ring and telling them that you wil lbe claiming it back through court if neccassary, but will they refund it now to save you both the hassle. have a copy of the prelim letter with you by the phone and tel lthem the grounds you will claim this back - for 1 charge they may just refund it there and then.

[camartist]

thanku very much,i will do that,

[breadline]

Hi Camartist

have you opened your own v's thread in the main forum.

If not I'm sure a site helper will get your title changed and moved over to the main Lloyd's site where you will have the benefit of the whole forum viewing your posts.

 

Good Luck:D