Unplanned overdraft fees

silversnaffles

Hi, I know this is a long shot but I was wondering if I have a 'leg to stand on'
I got a letter from the bank this morning telling me I was overdrawn (sent via 2nd class mail so I don't know the precise date)
Lloyds say they're charging me a monthly fee of £15 for the unplanned overdraft, plus a £6 daily fee, plus interest on the overdrawn amount (which is £8.80) and £20 for any 'unreturned items'.
I have previously been charged a one off fee of £15 with another bank for a cheque bouncing, I then decided to get my finances in order and have been doing pretty well until this lapse.
So, I personally think this charge is a little excessive, but do I have a leg to stand on to challenge it? Is it worth writing a polite letter at all?
Or do I just accept it, move on and not let it happen again?
Thanks
x

Emzycal

Funny, that. Same thing happened to my other half today.

£3.00 overdrawn and now we're up to £60.00 which will be £120 by the time we have money to pay in.

It's disgraceful...

emmerrrrr

exactly the same has just happened to me. i was 86p overdrawn for less than 24 hours and they want to charge me £21. if anyone has any info, then please help :huh:

natweststaffmember

I've no idea why Martin writes Guides to reclaiming, lol. No one reads them, pmsl

http://www.moneysavingexpert.com/reclaim/bank-charges

silversnaffles

I do read the main site, promise
It's just I thought because I'm not in hardship I might not be eligible.
Shall get letter writing tomorrow...
x