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hi there sorry this is my first claim for bank charges and i need a little help from you please. hope this is the right place to post this thread? my story is, i have sent the second letter with a spread sheet with all relevent charges and 8% interest to lloyds tsb asking for my charges to be retured. £1,538.00 + £4,35.93 interest.

this is the reply from them


Thank you for getting in touch with us. I am sorry you are unhappy about your

account charges.

Like any business, we do make a charge for some of our extra services. When

customers don't have enough in their accounts to cover a payment, this always

means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

Of course it's only fair too, that we're completely open about any charged-for

services before you might need them. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website. Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.

If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.

The Office of Fair Trading has published new guidelines on credit card default

charges. We're still talking it through with them, but the important point is that the guidelines are about 'default' charges that people pay when they break an

agreement with us. This doesn't apply to your charges as these were for dealing

with your request to go over your agreed overdraft limit. They are not default

charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.

I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

I do hope you can see that we make our charging system as fair as possible – and why I can't agree to cancel your charges.

I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide you with details of the Financial Ombudsman Service so they can consider your complaint independently.

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 13 Jun 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards.

Yours sincerely,

Debbie Gilbert

Team ManagerCustomer Service Recovery Centre Andover


please can you help me to proceed with this claim as i am at a point where i dont know what to do or send next ?

many thanks


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Hi mykeie


At this stage you should not be asking for the charges plus 8%, the 8% is only added when at court submission stage.


Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's




Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.



If my advice helps please tip the scales, left.

  • Haha 1
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Guest louis wu

Follow HOD's links and advice, it has all the basics to really get you going:).


Just to add, the letter you recieved is bog standard and nothing to worry about. As you will discover, you will have all the advantages, and the claims process is striaghtforward and has reaped millions of ££££'s in refunds.


Stick with it, and well done for beginning your claim.


Best of luck



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many thanks for the reply to my post they were most helpful i am off now to the correct place to start my jounney to reclaim my bank charges.

thanks mykeie

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