lloyds tsb bank charges

randombetas

Hi all, wrote to lloyds tsb stating that i was presuing a bank charges claim. send my CCCS budget sheet along with a covering letter, got a responce back saying that it has been refered to the collections dpt.

They also said that they couldent look at bank charges but a reduced payment into my overdraft but are investagiting, my debts are from many creditors alough CCCS are dealing with them now.

Been told to close my savings account which my wages go into with lloyds tsb and open a current account with another bank (which I dont want to do), just want a savngs account so i cant go overdrawn or incur charges again.


Just wondering what to do about my bank charges and accounts


Thanks Richard

natweststaffmember

randombetas wrote: »

Hi all, wrote to lloyds tsb stating that i was presuing a bank charges claim. send my CCCS budget sheet along with a covering letter, got a responce back saying that it has been refered to the collections dpt.

They also said that they couldent look at bank charges but a reduced payment into my overdraft but are investagiting, my debts are from many creditors alough CCCS are dealing with them now.

Been told to close my savings account which my wages go into with lloyds tsb and open a current account with another bank (which I dont want to do), just want a savngs account so i cant go overdrawn or incur charges again.


Just wondering what to do about my bank charges and accounts


Thanks Richard

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Are any of the arrears being paid off?

jillie1974

randombetas wrote: »

Been told to close my savings account which my wages go into with lloyds tsb and open a current account with another bank (which I dont want to do), just want a savngs account so i cant go overdrawn or incur charges again.


Just wondering what to do about my bank charges and accounts


Thanks Richard

you must open another bank account with another bank as if you owe Lloyds TSB any money, they can go to that bank account and take whatever money is in it.

you will get a basic account that has no overdraft facility but it can be with anyone apart from Lloyds TSB. you dont need a current account

if you are going to be reclaining your bank charges you dont need to use the account to do so.

there is a 'ask a CCCS counsellor' thread on this forum if you have any other questions

jillie1974

http://forums.moneysavingexpert.com/showthread.html?t=1231527&highlight=ask+cccs+counsellor

thats the thread.

randombetas

Yes I pay rent thanks for replying

natweststaffmember

randombetas wrote: »

Yes I pay rent thanks for replying

THat wasn't my question so can I check on post 2 please?

randombetas

not too sure on areas i think i have gone over my overdraft limit due to interest charges and fees on my current account which i havent used for about 6 years.

natweststaffmember

natweststaffmember wrote: »

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Are any of the arrears being paid off?

The above is post 2

randombetas

not too sure on areas i think i have gone over my overdraft limit due to interest charges and fees on my current account which i havent used for about 6 years.

natweststaffmember

Mate, I want to help you but if I don't have the basics, I can't.

Please see post 2 cos I can't tell you or advise you if you answer one question with a post not answering it.
If you have priority debt arrears then I will advise further otherwise it's a sit and wait.

randombetas

HI sorry for the confusion got no arreas on rent just debts like overdraft loans things like that hope that helps

Rich