Is it worth it?

spooks_2

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

nickmack

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.