lloyds tsb charges

jamieT_3

i sent them a letter 2weeks ago with a breakdown of charges and the interest calculator break down,
i had a letter back today stating they feel there unplanned overdraft charges are fair and while the case is ongoing through the courts they feel they cannot deal with my charges untill a decision is made via the courts untill then im on hold,

any help on what i can do next my charges came out at £1095 and then had £95 of interest ontop im unemployed and overdrawn,

many thanks

bassman100

I first put my charges claim in to HSBC during 2007, but I am now claiming financial hardship (I was made redundant) as advised by this site and I have used the template letter.

Has anyone got experience of hardship claims through HSBC? Are they seemingly paying out yet or stalling?

natweststaffmember

jamieT wrote: »

i sent them a letter 2weeks ago with a breakdown of charges and the interest calculator break down,
i had a letter back today stating they feel there unplanned overdraft charges are fair and while the case is ongoing through the courts they feel they cannot deal with my charges untill a decision is made via the courts untill then im on hold,

any help on what i can do next my charges came out at £1095 and then had £95 of interest ontop im unemployed and overdrawn,

many thanks

Have you got priority debt arrears(mortgage/rent, council tax, utilities)?

natweststaffmember

bassman100 wrote: »

I first put my charges claim in to HSBC during 2007, but I am now claiming financial hardship (I was made redundant) as advised by this site and I have used the template letter.

Has anyone got experience of hardship claims through HSBC? Are they seemingly paying out yet or stalling?

There is a financial hardship successes at the top of this part of the forum.

Widelats

jamieT wrote: »

i sent them a letter 2weeks ago with a breakdown of charges and the interest calculator break down,
i had a letter back today stating they feel there unplanned overdraft charges are fair and while the case is ongoing through the courts they feel they cannot deal with my charges untill a decision is made via the courts untill then im on hold,

any help on what i can do next my charges came out at £1095 and then had £95 of interest ontop im unemployed and overdrawn,

many thanks

seen as its Lloyds they are not good when it comes to hardship it seems, i have applied twice for hardship and got a load of mumbo jumbo in response what made no sense. I would just go to the ombudsman since they have not sent you hardship forms of anything else you got a standard letter back what everyone is getting - Lloyds are the pits when it comes to customer servive i heard.

jamieT_3

Widelats wrote: »

seen as its Lloyds they are not good when it comes to hardship it seems, i have applied twice for hardship and got a load of mumbo jumbo in response what made no sense. I would just go to the ombudsman since they have not sent you hardship forms of anything else you got a standard letter back what everyone is getting - Lloyds are the pits when it comes to customer servive i heard.

thanks for the reply what would i say to the ombudsman ect??

Widelats

jamieT wrote: »

thanks for the reply what would i say to the ombudsman ect??

go to the site, download the form, print it, say that you want your charges back - simple!