Report Bank Charges successes and failures

dunstonh

samdowner1 said:

I received a letter today fro Lloyds bank saying they would refund me £82 in charges but will be cancelling my arranged overdraft and I can’t have one for 12 months. They said it’s customer support. I’ve been with them for 36 years and this feels really punitive and unpleasant, any suggestions please? 

Basically, it means they have credit concerns with you and are reducing the amount of credit you can obtain from them.   

Nasqueron

samdowner1 said:

I received a letter today fro Lloyds bank saying they would refund me £82 in charges but will be cancelling my arranged overdraft and I can’t have one for 12 months. They said it’s customer support. I’ve been with them for 36 years and this feels really punitive and unpleasant, any suggestions please? 

What did you complain about charges for? Being unaffordable? If so, it's sensible to remove an OD as such a complaint would indicate you are essentially arguing you can't afford things so removing an expensive possible debt like an OD is a help in avoiding more debt. Remember an OD is you borrowing money short term so any suggestion there is a problem with borrowing is going to spook the lender.