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LloydsTSB - fees and charges


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HI and thanks for the welcome.

 

LloydsTSB appears to make the distinction between "charges" - default for breach of contract and "fees" - the price they charge you for the admin required to tell you that you cannot go over your overdraft limit. They see overdraft limit breaches as a "request to go over your limit". Since this is a fee and not a charge they do not consider this re-imbursable

 

The OFT does not appear to make this distinction.

 

Who is right ? Is there any way in which these "fees" can be seen a reclaimable unfair charge ?

 

Thanks

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