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    • Neemi
    • By Neemi 15th Jun 17, 6:49 PM
    • 13Posts
    • 0Thanks
    Neemi
    Advice on LLoyds TSB Bank Charges
    • #1
    • 15th Jun 17, 6:49 PM
    Advice on LLoyds TSB Bank Charges 15th Jun 17 at 6:49 PM
    Just a quick question to people who have claimed back bank charges on LLoyds TSB.... we are about to submit our first bank charges letter.

    The below are what we have been charged against with the descriptions as they are on the statements over the past 6 years and was wondering what we can actually include on the claim:

    My instinct tells me to submit and include all of the below but wanted advice...

    O/D USAGE FEE £420.00
    O/DRAFT INTEREST £1,304.84
    RETURNED D/D £230.00
    RETURNED S/O £10.00
    UNPLANNED O/D FEES £505.00

    Much appreciated in advance.
    Neemi
Page 1
    • ceredigion
    • By ceredigion 15th Jun 17, 6:55 PM
    • 2,257 Posts
    • 2,678 Thanks
    ceredigion
    • #2
    • 15th Jun 17, 6:55 PM
    • #2
    • 15th Jun 17, 6:55 PM
    I would suggest the first thing to do is understand which bank, you bank with.
    • Nearlyold
    • By Nearlyold 15th Jun 17, 6:56 PM
    • 914 Posts
    • 747 Thanks
    Nearlyold
    • #3
    • 15th Jun 17, 6:56 PM
    • #3
    • 15th Jun 17, 6:56 PM
    Are you in current financial hardship and still with the same bank eg Lloyds or TSB? If so you should ask the bank whether they can help you in relation to your current situation.

    I'm guessing most of the charges you listed are historic so I'm afraid you are not going to get very far with them unless the charges were incorrectly levied.
    • dunstonh
    • By dunstonh 15th Jun 17, 7:19 PM
    • 88,796 Posts
    • 54,148 Thanks
    dunstonh
    • #4
    • 15th Jun 17, 7:19 PM
    • #4
    • 15th Jun 17, 7:19 PM
    Just a quick question to people who have claimed back bank charges on LLoyds TSB
    Lloyds TSB no longer exists. So, which bank is it that you are referring to?

    The below are what we have been charged with the descriptions as they are on the statements over the past 6 years and was wondering what we can actually include on the claim:
    None of them. The banks won the court case back in 2009. Since then they no longer refund charges unless part of a goodwill gesture to help those in current financial hardship. In those cases, its typically less that 6-12 months that they go back over. Although in extreme cases of hardship, they will go back further.

    And for the record, interest was never reclaimable. Even in the days when you could get your charges back.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • societys child
    • By societys child 15th Jun 17, 9:12 PM
    • 4,416 Posts
    • 4,654 Thanks
    societys child
    • #5
    • 15th Jun 17, 9:12 PM
    • #5
    • 15th Jun 17, 9:12 PM
    Just a quick question to people who have claimed back bank charges on LLoyds TSB.... we are about to submit our first bank charges letter.

    The below are what we have been charged against with the descriptions as they are on the statements over the past 6 years and was wondering what we can actually include on the claim:

    My instinct tells me to submit and include all of the below but wanted advice...

    O/D USAGE FEE £420.00
    O/DRAFT INTEREST £1,304.84
    RETURNED D/D £230.00
    RETURNED S/O £10.00
    UNPLANNED O/D FEES £505.00

    Much appreciated in advance.
    Neemi
    Originally posted by Neemi
    I'd understand better if you could explain why you think these charges can be reclaimed?

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