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hello and first question on spreadsheet


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Hi to everyone,

 

this is my first post and I apologise in advance if this question has been covered in any of the FAQs which I have been reading. I'm helping a friend with the spreadsheet and was wondering if 'overdraft usage fee' or 'overdraft excess fee' as stated in the Lloyds tsb statements is covered under 'cleared transaction' in the spreadsheet 'in respect of' column?

 

Also, is there a proportion of the charges which the bank is allowed to make? I've read that the actual charge may be a very small amount for administering an unauthorised overdraft request, but of course they charge much more. Do I take an authorised amount from each fee charged?

 

thanks for any advice

 

Alan

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