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sazbo v Lloyds TSB

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Hi everyone.


Im really feb up with being charged stupid charges for being overdrawn. I have calculated that they have charged me 1875. over ths past 5 years.


I was going to sent them the first letter but wanted to know first if I should reduce this amount as I don't want to incur any changes if it goes to court. Can you advise me?


Also, I am still being charged for going over my limit to date. However did you know that if you put money into your account on the date it was over the limit they are still charging you in some cases. For example I was 23 pound over my limit and went into the the bank on that date and put 30pounds in. They had the cheek to still charge me 35 ponds. I have gone along to my local branch the past 3 months and had 70 pound charges waived each month. The call centre told me that it was at the discretion of the branch manager. Is he GOD?


Looking forward to hearing your responses.

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go for what they owe you. you can claim the court cost back.

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Hi Sazbo


The charges are automatically added by a computer. The manager can overide this and refund the charges if they want to. You should ask for it all back in full. There are some links below to help you get started.


Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back


Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.


There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.


Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.


All the info to get you started is here:


There are more links below to assist you get around the site.


Good luck



Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


Remember: The Ark was built by amateurs-The Titanic by professionals.


Please click my scales if you find my advice helpful !


If your claim is successful, please donate 5% so that it can continue to help others.


Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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I have been offered 750 pounds form the TSB which they will deposit into my account in 10 days time. Are they trying to put me off taking them to court?

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