Lloyds Bank Charges

Aggy_2

Last year in september I had a fraudulent payment taken from my account which i reported to lloyds, they refunded my money and cancelled my debit card and sent me a new one. Fine I thought then in november £250 new charges were taken from the old card which put me slighlty overdrawn (.46p to be precise) once again i informed lloyds and they refunded the money and sent me a letter stating that that card was deactivated for positive this time.

I filled out there fraud form and sent it back and thought everything was ok with the world again, Until I checked my account and found they had charged me £50 for an authorised overdraft of of 0.46p I rang them and explained that it was there fault but the woman won't have it and told me the charges stand. Then in december they took out the fraudulent payments I had claimed back in november not once but twice in less than 48 hours. putting me overdrawn again this time by even less.

I rang them and complained and I was told it was a clerical error and that it would be refunded and the charges for going overdrawn stopped, I checked my account and found that i have been charged £90 not once, but twice for Lloyds making me overdrawn.

So for something that is not my fault I have been charge £230 which lloyds are saying is fair and have refused to refund although they have admited it was there fault i went overdrawn.

I have raised a complaint with the ombudsmen but they are backed up apparently and won't be dealing with my complaint for ages. Is there anything else i can do barring going into lloyds and beating my money out of them (I have reached the end of my tether as they completely ruined my christmas with all this trouble).

regards

orc_2

Do you have copy statements for this account which details these transactions?

Do you have a copy of correspondence and the fraud form you have sent to Lloyds?

Aggy_2

yep, even have a letter from lloyds stating that they were at fault and that the money was taken out of my account falsely, have sent this to the ombudsmen and waiting for them but have told the ombudsmen i won't accept no £100 compensation i want a ridiculous amount so lloyds knows how it feels.

Premier_2

Aggy wrote: »

...told the ombudsmen i won't accept no £100 compensation i want a ridiculous amount so lloyds knows how it feels.

If you want punitive damages, you'll probably have to sue the bank in court.

Dr.Shoe_2

Indeed. All an Ombudsman will do is reverse the situation. Ie. get your charges back plus any interest charged on your overdraft.

natweststaffmember

Aggy wrote: »

yep, even have a letter from lloyds stating that they were at fault and that the money was taken out of my account falsely, have sent this to the ombudsmen and waiting for them but have told the ombudsmen i won't accept no £100 compensation i want a ridiculous amount so lloyds knows how it feels.

Can I ask why you are not dealing with the bank in writing or even their customer relations? It's bank error plain and simple with some compo for time and inconvenience.

iereboy

When Fraud happens and the customer goes overdrawn, ALL CHARGES will be refunded.

Simply go into your branch and let them know.

In cases of fraud which results in charges, please do not ring the call centre. Go into the branch ASAP. Take statements with you as well. Do not delay as this has been going on for months now. It is quite straight forward to remove charges when it results from fraud. If no luck, which I don't see why, you should speak to the branch manager.