lloyds tsb bank charges

jillie1974

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

you open a new account with another bank and still make a claim for your bank charges

randombetas

ok but does the hardship case apply to my claim

randombetas

opened an CashBuilder Card - instant access card based savings from nationwide

jillie1974

bank will decide if its hardship. have you checked out Martins guide to claiming bank charges??
he explains the hardship there.

randombetas

HI wrote to the bank I do fit the hardship cirterea, alough I have no proity debts, as there breaking sections 14 and 15 of the banking code by charging intrest and charges when im on a dmp with Cccs there not making my situation easier, I will write a letter asking my creditors to stop the charges and intrest and refund all charges + intrest since my dmp started.

Cant see any templaqtes for this but will see what they say my Cccs counclir said that they wont do all of them but they will more then likley do one of the above.

Richard

jillie1974

some will stop the interest and charges but they dont have to

MBNA were bar*stewards and have always charged me. if they hadnt the debt would have been clear by now... idiots