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Stopping the charges before they're taken


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Went over my o/d limit and a standing order was unpaid as a result. I put it right within 24 hours, but now Lloyds wants to charge £30 for the o/d limit and £35 for the unpaid standing order.

 

Is there a way of stopping them from taking the money in the first place? I have looked in the FAQs and all over this frankly amazing site and can't find anything. All help much appreciated.

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Guest Niklowe

Hi Stratos, and welcome.

 

I'm afraid the banks are a law unto themselves at the moment. If you have got a good credit record you could ask them, but I don't hold out much hope.

 

All you can do if they don't stop them is to claim them back as follows

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy, start a new thread in the section for your institution that you are claiming against, and away you go. There are lots of people to help you, but don't forget this is a very much a self help site.

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

 

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Good luck but you won't need it

 

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Unfortunately, Lloyds insist on the money being in the bank the day before due date for SO's/DDs. I know this for afact as my daughter who is on benefits has had the same problem with them and so far we are having to go to legal proceedings to try and recover her charges.

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Welcome to the site.Sometimes a request to repay a couple of charges will be done,especially if only 1 or two.

You should try writing and asking.Your branch has authority to authorise these.

As regards your daughters experiences they are acting unlawfully by taking payments from benefits although there are differing rules on exactly which benefits are covered.You may wish to send them a letter of appropriation before her next money is due to go into the account.The temp letter for this is in the library of the bank temps.I can also tell you that DWP will also help you out in your quest to stop this practice and also spell out the position to you.

My thread for more reading on this is here. http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Already done this. I think the extent I have gone to with letters will have to be believed to be seen and some of the charges that they have applied also. £20.00 for being £4.00 o/d. Bounced 3 items in one day when I put the money in the same day. They wouldn't refund them when I wrote to them. Only one have they refunded charges for as a gesture of goodwill and was told to ensure the money was in the bank the day before.

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Ok then ......go for the lot back using the only way they know.C O U R T .......

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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