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Lloyds reply to my claim - any thoughts??


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I have sent the first letter to Lloyds to reclaim £450 in charges.

I have received a reply saying that the OFT is dealing with "default charges". It further states that these dont apply to me as the charges involved were for "dealing with your request to go over your agreed overdraft limit" and therefore are not "default charges". However the charges are labelled "Overdraft Excess Fee" and "Unpaid Direct Debit".

These seem to be penalties to me. Does anyone have any opinions/information on this?

Is it just Lloyds trying it on?

I'm planning to go to the Small Claims Court about this.



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Guest ian cognito

Yes, they are trying it on, give them 0 out of 10 for effort, onwards and upwards, LBa next.


Good luck!!!

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