Bank charges on debit card

surfingmonkey

looking for some advice, i have seen the court battle about the banks charging when u go over your card limit. i heard this got passed on the 25th of november. i got charged by lloyds on the 24th of november does this mean i can still fill out a letter to claim my money back or does the new law apply?

any help would be good

thanks

natweststaffmember

What new law?

surfingmonkey

well you used to be able to claim back charges when you went over your overdraft limit but i think a new law got passed on the 25th stopping you doing this. my problem is i only knew about the charges when my bank statement came through 9 days later and as a student and it beingthe end of term i do not have the money to pay off these bank charges.

any help would be great

esmerellda

Hi surfing monkey, there isnt a new law, the supreme court simply passed a judgment in the courts that the OFT couldnt assess a part of their charges under some legislation called the Unfair Terms in Consumer COntracts 1999.

Claims are on hold and if you have a read of MArtins guide http://www.moneysavingexpert.com/news/reclaim/2009/11/bank-charges-qa-door-reopened-for-reclaimers and news articles you should get a better idea of whats happening.