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Lloyds Tsb Reclaiming charges
Seadogs_2010
Posts: 206 Forumite
Hi all
I banked with Lloyds for around ten years.In that time ive had around £1000 took from me in bank charges.
After been made redundant from my job we are finding making ends meet hard.
Could I still try to claim the charges back as we are in financial hardship or have I missed the boat so to speak?
cheers guys
I banked with Lloyds for around ten years.In that time ive had around £1000 took from me in bank charges.
After been made redundant from my job we are finding making ends meet hard.
Could I still try to claim the charges back as we are in financial hardship or have I missed the boat so to speak?
cheers guys
0
Comments
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Hardship does relate to your current situation but they do typically only look at charges linked to this period of hardship. Not charges that were made before you were in hardship.
If you dont ask you dont get but don't get your hopes up on historical charges.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
The charges I would like to claim back date back to the last six years so it may not be worth it unless i can say ive been struggling financialy for the last six years0
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You could say that but hardship cases wouldn't apply to 6 years ago. You might get 6 months worth. You will need evidence of financial hardship, your claim will be looked into in depth.0
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the problem is in now with a different bank so i haven't had any charges off Lloyds for over a year0
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In that case i can't see you getting any sort of refund from them. They would have expected you to query the charges at the time, not a year after they were made.0
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Yeah ill leave it then but thank you for your help. Just something I was wondering about.
Thanks0 -
No bank would even consider a refund of charges if you are no longer a customer of theirs.Seadogs_2010 wrote: »the problem is in now with a different bank so i haven't had any charges off Lloyds for over a year0 -
Seadogs_2010 wrote: »the problem is in now with a different bank so i haven't had any charges off Lloyds for over a year
You can only hope to recover some charges on your main bank account i.e. the one your usual main income (which includes benefits) is paid directly into.
Have you any recent bank charges on your main current account? If so, this MSE article on reclaiming bank charges may be useful to you
http://www.moneysavingexpert.com/reclaim/bank-charges0
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