Help please!

jayneella

Hello,

Im in the process of trying to get back my charges from Lloyds totaling £470, they have just sent a letter back stating " The OFT guidelines only concern Defult charges, The fees we charge for going over the overdraft limit and for returned payments are not any kind of defult charge. They are fixed standard prices for the service we provide in these situations, so according to our legal experts the OFT guidelines on credit card charges dont apply."

And they are now asking me to contact the Finacial Ombudsman Service as they will now not deal with me any more.....i really dont know what to do now... please can someone offer some advice?

Thanks
Jayne

oldfella

it is irrelevant whether they are default charges - the only matter is whether they are penalty charges, which are unlawful.

you will need to sue them in the small claims court.

Mike

robert_harper_2000

Confirmed lol I'm actually not far off court date but after reading consumeractiongroup.co.uk doubt their see me in court I reckon they will be settling anyday

jayneella

Well i have just posted the 2nd letter and i now really need to find a bank to open another account, i have very limited funds as im a single mummy and cant get an internet bank to accept me because my credit rating is poor, due to all the money issues i had when i seperated from my partner (he took everything)!! I have looked through the article on best banks but i need a high street bank that will accept me not an internet one and it cant be lloyds or abbey, any advice anyone would be greatly appreciated x

robert_harper_2000

Pretty sure the website I recommended also list all the banks and their pros and cons!

jayneella

Well i have just nearly completed the online court claim and im wondering what happens next?

Thanks
Jayne

jayneella

Hello but you didn't give me a website?