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I am trying to claim 1720GBP back from lloyds i have a graduate current account.


Just got a letter from loyds after sending my prelim. It basically says that the charges are for a service etc and ignores my demands. I guess this is normal. One thing has worried me tho, they mention this..


"The OFT has published new guidelines on credit card default charges. We still talking it though with them. The important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. This doesnt apply to your charges as these were for dealing with your request to go over your agreed overdarft limit. They are not default charges because you havent broken you agreement. These prices are for a service we provide in these situations."


As I had most of my statements (and I just phoned lloyds for them to send me the ones i was missing) I never sent a statement request letter. So I do not know for sure if they have entered defualts on my credit score. I just presumed they had so included the paragraph in the prelim letter.


So my questions;

How can I find out if theyve enterd defualts now?

Will it effect my claim if they havent entered defualts on my credit score but i included the defualt paragraph in my prelim?

Are they just bullsh*ting me to confuse and scare me and they clearly have 'defaulted' me.


Sorry to ask but i dont want to mess up at such an early stage. Please Help!?


PS Can you explain how im meant to keep all my progress in one post im a little confused about this too!!





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Will it effect my claim that ive included the defualts paragraph in my prelim letter but I plan not to use it in my LBA.

This is becuase I have been issued not default notices?

As I was earlier confused by the definition.

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