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Is it worth it?
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spooks_2
Posts: 15 Forumite
I had a student account with Lloyds and only ever used it to pay utility bills as ?i had another student account with Barclays which gave good customer service (my experience only I know).
Because I was only using it to pay bills set up as a direct debit I didn't pay attention to the amount in there and inevitably I could not pay my bill. Powergen were fine and let me pay it a bit late but Lloyds charged me £20 for the overdraft excess fee and £60 for the unpaid direct debit. A total of £80. This happened in Aug 04.
Obviously its not much but it is a good amount of money and I'd like to get it back. My question is:
- is it worth going through this procedure to claim on £80?
- Will the bank think it is worth going to court over it - i think not
- Because it was my second (of three) student bank accounts, is that likely to cause a problem? Will i get into trouble if they find this out?
- I never used the account a lot, and never paid more than a couple of thousand into the account (student loans). Plus, after this incident, I stopped using the account altogether and finally took out the remaining £250 and changed the address a few months ago.
- Its been TWO YEARS!!!!!!!
I'll start filling in the forms etc if people generally think it is worth while.
Cheers for your input
Spooks
Because I was only using it to pay bills set up as a direct debit I didn't pay attention to the amount in there and inevitably I could not pay my bill. Powergen were fine and let me pay it a bit late but Lloyds charged me £20 for the overdraft excess fee and £60 for the unpaid direct debit. A total of £80. This happened in Aug 04.
Obviously its not much but it is a good amount of money and I'd like to get it back. My question is:
- is it worth going through this procedure to claim on £80?
- Will the bank think it is worth going to court over it - i think not
- Because it was my second (of three) student bank accounts, is that likely to cause a problem? Will i get into trouble if they find this out?
- I never used the account a lot, and never paid more than a couple of thousand into the account (student loans). Plus, after this incident, I stopped using the account altogether and finally took out the remaining £250 and changed the address a few months ago.
- Its been TWO YEARS!!!!!!!
I'll start filling in the forms etc if people generally think it is worth while.
Cheers for your input
Spooks
0
Comments
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Only you can decide whether it's worthwhile. It's very likely you'll get the money, it's up to you to determine whether it's worth a few hours of your time.0
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