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nimzoking

ADVICE REQUEST: Lloyds Credit Cards (CC's in General)

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Having been stiffed by NatWest as a student in the eighties, I moved my account to TSB and been with them ever since. Have to confess, I do not have any gripes with TSB Bank. I did the sensible thing, agreed a whooping big overdraft (at the time 50% of take home pay), and have never had a charge other that overdraft interest.

 

My question is whether all that I have read about Bank Charges, applies in terms of Credit Cards. I have on many occasions been caught out with the "late payment" charge, and thought like most people can't do anything about it due to the fact the T&C's do say that I would incur such a charge.

 

However, reading about the Unfair Contract rights, and the OFT instructions for CC companies to reduce their charges to acceptable levels, I am left with the question as to whether I can take action against the various Credit Card companies who have had a fair whack out of me because my bank could not electronically transfer the money any quicker than four days (comes out of my bank quick enough!).

 

In nearly all cases, the payment had been received so that when the statement had arrived they had noted the fact and put the charge on. Basically, nothing extra had to be done, not like an extra letter sent out or anything - so the "charge" if anything is due to the fact the computer was programmed to spot it - it would never have been seen by human eyes :)

 

So in essence, having waffled as I do, can I sue Lloyds TSB CC for unfair charges, and if so is the process the same?

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Hi Nimzoking.

 

In two words.... Yes and Yes. Allright in three words then:D

 

Have a good read of the FAQs and the step by step guide. That will answer most of your questions.

 

 

Good luck with your claim.

 

Regards, Rooster.


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