unplanned overdraft Lloyds

bezpaliva

hi! i went overdraft (unplanned). i didnt know how much money i had on my account and would rather not use my card if there is no money on it. but they gave me unplanned overdraft automatically without me knowing about it. can i remove this facility from my account????? i also cant pay them these money, i am a student ))

MrSilk

Unplanned?, bank charge coming your way, better duck! :beer:

BugsyBrowne

bezpaliva wrote: »

hi! i went overdraft (unplanned). i didnt know how much money i had on my account and would rather not use my card if there is no money on it. but they gave me unplanned overdraft automatically without me knowing about it. can i remove this facility from my account????? i also cant pay them these money, i am a student ))

I don't think they give you an unplanned OD they call it this when you spend more then you've got in your account.

bezpaliva

can i remover this facility??

bezpaliva

BugsyBrowne wrote: »

I don't think they give you an unplanned OD they call it this when you spend more then you've got in your account.

yes, but i didnt want to spend more than i have got. so now they charge me.
i dont want to use unplanned overdraft. can i ask them to remove it? or its impossible?

MrSilk

Once the outstanding money has been paid, they will remove the unplanned overdraft from your account. The term you need to use is 'Overdrawn'

bezpaliva

MrSilk wrote: »

Once the outstanding money has been paid, they will remove the unplanned overdraft from your account. The term you need to use is 'Overdrawn'

i dont have money to pay them. can i ask them that i dont want to use this facility in future??

reclusive46

bezpaliva wrote: »

i dont have money to pay them. can i ask them that i dont want to use this facility in future??

Well you can but it costs £5 a month. Its called a control account.

Lloylds are infamous for letting people into an unauthorised overdraft, they even let teens with the under 19s account go overdrawn.

MrSilk

reclusive46 wrote: »

Well you can but it costs £5 a month. Its called a control account.

Lloylds are infamous for letting people into an unauthorised overdraft, they even let teens with the under 19s account go overdrawn.

naughty Lloyds TSB

bezpaliva

reclusive46 wrote: »

Well you can but it costs £5 a month. Its called a control account.

Lloylds are infamous for letting people into an unauthorised overdraft, they even let teens with the under 19s account go overdrawn.

so what can i do?? i dont have spare money to pay them. can i close my account then???

MrSilk

bezpaliva wrote: »

so what can i do?? i dont have spare money to pay them. can i close my account then???

Close it and keep all of your dosh under your mattress.