Lloyds TSB overdraft charge

blinky_m

My problem......

I dont have an overdraft, i never even knew i could go overdrawn on the account i had, as whenever i go onto my internet banking it says i dont have an overdraft and i could apply for one, so hense my dismay when i found out i had gone £18.09 overdrawn. i looked at my statement and saw that the first instance it was from play.com, though surely if i hadnt had enough money in my account it wouldnt of let the transaction carry on. obviously at that point i assumed i still had money in my account and went to my local petrol station and spent £15 on petrol, again my card got accepted and i was none the wiser....

on saturday i received a letter from my tsb branch telling me i was overdrawn!! i have to pay a 'unplanned overdraft fee' of £15 and 3 daily fees of £6 each! now this seems unfair to me as it took 2 days for me to receive the letter! on saturday i rang them instantly and transferred money to put my account in credit. though now i'm stuck with £33 of charges.

i'm a little bit unsure as to whether i can actually reclaim this back. am i able to? they havent taken it off me yet, and they said that they would do at the end of the month, would i be able to get these charges cancelled??

help would be greatfully apreciated
thanks.



... needless to say im going into my local tsb branch regardless and closing both of my accounts

simon_templar_2

Sorry but this another example of not understanding how banking works.