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bank claiming charges from me! help please

LeeB1983
LeeB1983 Posts: 1 Newbie
in Reclaim bank & credit card charges
About 6yrs ago i had an account with lloyds tsb and went overdrawn, i got messed around with pay from my job and couldnt pay the charge, the account was suspended and i didnt hear anything for ages, my grandmother paid off a bank charge for me which i thought was lloyds, it wasnt. in november/december 09 i recieved a letter form a collection agency saying i owed £326.6 for these charges. i can only assume this is all interest etc. it has been an honest mistake on my part because i was sure the account was settled. is this fair, what can i do?

any help will be greatly appreciated

Comments

  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    Hi LeeB1983 and welcome to MSE :hello:

    You, by your own admission, made a mistake.

    Why do you think someone has been unfair to you because of your mistake?

    Why do you think someone else should compensate you for your mistake?

    :confused:
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • as0ta
    as0ta Posts: 111 Forumite
    edited 14 January 2010 at 8:44PM
    LeeB1983 wrote: »
    About 6yrs ago i had an account with lloyds tsb and went overdrawn, i got messed around with pay from my job and couldnt pay the charge, the account was suspended and i didnt hear anything for ages, my grandmother paid off a bank charge for me which i thought was lloyds, it wasnt. in november/december 09 i recieved a letter form a collection agency saying i owed £326.6 for these charges. i can only assume this is all interest etc. it has been an honest mistake on my part because i was sure the account was settled. is this fair, what can i do?

    any help will be greatly appreciated

    Welcome Lee.

    If it's credit card charges, then there is plenty you can do. You can write to the bank, use the data protection letter to get all the information they hold on you. The link below will help you to get the charges with interest back. http://www.moneysavingexpert.com/reclaim/credit-card-charges Letter Template: Data Protection Request

    If however it is bank charges, not a lot at the moment. Reading this will give you some insight. http://www.moneysavingexpert.com/reclaim/bank-charges

    EDIT: Just read title...bank charges. ;) If you have any credit card charges to reclaim, it's still be the best way to go.
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