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Hi From Leeds!

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Hi Everyone!


I live in the suburbs of Leeds, West Yorkshire, where I work as a manager in the graphic arts industry.


I've had a current account with Lloyds TSB for the last ten years and like many other people, I have fallen prey to the high charges they impose for "running out of money before running out of month".


Although I've been tempted to switch to a different bank, to do so would entail borrowing to pay off my overdraft and arranging the new account details with my employer. This could result in a delay in making the transition, and possibly leave me no better off with another bank that imposes similarly high charges. That's been my excuse anyway, and I've been sticking to it!


One particular banking practice that I noticed from examining my bank statements during the early days of my account was that of processing any payments and bank charges existing on the day my salary goes in, BEFORE processing my salary. This enabled them to levy a nice big 'unauthorised borrowing fee' before recording my salary appearing. Naturally I very quickly ensured that any such payments were not presented until the day after my salary went in, but this still left the occasional TV Licence charge being presented at the crucial moment.


At one period, due to this practice, I had chains of three successive, unsuccessful direct debits being presented, followed by one or two 'Fees for Unpaid Items' amounting to £27.50 each. I am now very wary of direct debits and avoid them like the plague, preferring in some cases to pay a small surcharge to the supplier for the luxury of a Standing Order, which I rather than the supplier, can control.


I haven't fully explored this website yet but I am very impressed by what I have seen so far.


Once I've done so, I will return and join in with the various discussions.

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Hi Lone Stranger,

Welcome to the forum,


I agree it disgusting that the banks are allowed to treat us this way. All of those charges are unlawful, but they still persist in taking them.Follow yhe next link to the Lloyds TSB forum and start a thread. Please title it;

A Loan Stranger V lloyds TSB.


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

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 this helps please tip the scales,Left.

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