Llloyds

amd1_2

I have just got back from abroad to find that my bank as named above have authorised a purchase using my debit card 55 pounds more than what was in my account, I made the purchase for airline tickets 23rd December, discovered the overdraft 29 January as I was overseas and got back today to find a 165.00 charges slapped on my account, I know this is not ethical but is it normal?

amd1_2

I called Lloyds and they told me to pay up first and then we could talk about it later!!

Premier_2

Did you authorise the card transaction? Or are you alleging it is a fraudulent transaction?

Edit: Just read it again and I see you apparently did authorise the transaction, so yes it is entirely normal that you have received charges for trying to spend money you do not have in the account.

Pooky1881

I just checked my account. There is now £120 of charges that have sent me over my O/D limit. These charges relate to the last time they DID THE SAME THING! I am trying to repair my credit rating and they are single handedly ruining it. I have kept my A/C in credit for months knowing this.

BUNCH OF SCUM!

flexrider

stick a dispute in and hope 4 the best
then quickly contact finicial ombudsman saying you got shoddy service...there not help full...either way you get a refund or some of it back,

its what i did with them when dogey scum got my old bank detailsand went shopping online with it, they tried to blame me for it but after 20 cups of coffee 3 bacon sandwhices and plenty of patence i got through to them and make my proity clear, claimed they could not help because every time i went there they stuck me on a ****ken phone and left me to deal with someone who didnt have a clue so in a way there bad services paid the way for the finicial ombudsman to get the boot in...so to speak

natweststaffmember

flexrider wrote: »

stick a dispute in and hope 4 the best
then quickly contact finicial ombudsman saying you got shoddy service...there not help full...either way you get a refund or some of it back,

its what i did with them when dogey scum got my old bank detailsand went shopping online with it, they tried to blame me for it but after 20 cups of coffee 3 bacon sandwhices and plenty of patence i got through to them and make my proity clear, claimed they could not help because every time i went there they stuck me on a ****ken phone and left me to deal with someone who didnt have a clue so in a way there bad services paid the way for the finicial ombudsman to get the boot in...so to speak

Reading the above and simply have head in hands. I'll leave you to premier to comment further on this one.

Premier_2

natweststaffmember wrote: »

Reading the above and simply have head in hands. I'll leave you to premier to comment further on this one.

Thanks NWSM

If you complain to the FOS about your bank without first allowing the bank the 8 weeks to investigate and resolve the issue (or the bank otherwise provide you with a deadlock letter) then complaining to the FOS will simply result in a letter telling you to first try to resolve the issue with your bank.

Widelats

Apparently, the Lloyds former boss is now going to be chief adviser to the govornment, well i expect the economy to be out of recession within 2 weeks if he charges all the companys of britain like he charges the public.