Bank Charges - illegal?

wondabrasjg wrote:

Yeah, its been mentioned once or twice, now and again i DO possess the awesome power that is.... common sense, it aint often though, so embrace it!!! ha ha

aliyah wrote:

dchurch24 wrote:

What did you ask for in your letter?

If you know the amount they owe you, and have given them a time limit to give the money back and they have refused, then they are not leaving you much choice. It's for a judge to decide if their charges are punitive or not.

Did you ask for a list of charges?

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thanks for replying.

i sent reply today,my original request had given them 30 days to refund all charges. 14 days of that period left so have now explaained that i must have these charges back by then or i will take legal action

i went on to explain that lloyds acted unreasonably as i approached them many times while my little boy was critically ill and we were staying in hospital 100 miles from home. i had to leave my job and finances were dire for the 3 weeks we were in hospital. during that period they charged me almost 300 pound alone, depite me keeping in constant contact.

i eventually visited my branch in tears, explaining the situation. they put me on the phone to somone "upstairs" to discuss the charges. when i told her about my son and the emergency hospital stays etc. her comment was "well things cant have been that bad as you spent money on your debit card in New Look clothes shop." :mad: i explained this was during the 3 week stay, when i dashed to the store and spent 13quid on a nightie and underwear as i had worn the same things for almost a week!!

the accounts manager with me was so shocked by the comments from her colleague that they had a row on the phone, she then complained and put a note on my file. the charges were never withdrawn

to cut a (very) long story short, i have noted this intodays letter aswell to prove a) that i made regular contact with the bank and b) that surely lloyds had an obligation to attempt to assist

i now owe 800 pounds on this defunct account, and am currently repaying this at 8pounds a month, only to be charged another 30 every month for being overdrawn in the first place.

this is all in my letter...

hopefully they will be so bored by my ramblings that they pay up to get rid of me!!!!!!!!!

sorry to go on

It's stories like yours that make me continue to put about 100 hours a week into this ( I cannot remember the last time I had more than 5 hours sleep).

Your post nearly brought tears to my eyes (ok - I've had a few drinks - I'm not usually this soppy)

PM me - I will weed it out from the hundreds that I am getting (sorry, I cannot reply to all of them - my inbox at MSE gets filled so quickly that most get bounced due to insufficient space and my email inbox has about 3-400 every day, and it pains me to not reply, but I have to go to work as well, there really is not enough hours in the day) - your bank need a bloody good hiding in my view, and together we can give it to them.

I'll give you my phone number - We cannot let banks get away with this and, in a greater degree, let them treat you in the way that you have been treated.

I have heard many stories along these lines since I started the BAG - and redressing the balance has made it all worthwile.