Lloyds - do I claim or just complain

batesy2007

Hi all,

Recently been having money flow issues with little or no overtime. I knew I was going to be roughly £50-£100 over my overdraft roughly 5 days before I got paid. I asked Lloyds for a 1 month increase on overdraft and was declined.

As a result I received a letter on the 26th saying that as of 23rd I'm being charged £15 a day for being over(including weeknds and bank holidays) . I phoned straight away to explain and was told to go to my local branch and pay money in (luckily i was only £35 over so could borrow that off a friend).

However despite being told my local branch is open on a Saturday it's not. So two more days of charges. A SO of £50 comes out on the 29th so I managed to 'conjure' up about £80 to pay in directly to the bank on the 29th but now I've received another letter saying I'm being charged £20 for a failed SO even though I deposited it on the day.

I'm now awaiting a letter to show me my grand total of fees that will once again push me into the red around £100 - £130 I think.

Do I reclaim or complain? This is the 1st time this has happened to me and I feel for the 1st time I needed just a little help Llloyds has cr*pped on me from a great height. :mad:

natweststaffmember

I think you need to put this all down in a chronological order including the fact that you were told that a branch was open on the saturday that wasn't.
Ask them for a refund based on the fact that you were mislead by customer services and you made every effort to try and make sure the funds were there to make the payments,

di3004

Hi there

Just thought I would mention it, my Lloyds TSB branch does actually open on Saturdays, but only until 1pm I believe.
However, I am in Wales, it may differ elsewhere.;)