Default Charges Vs Service Charges

TSB=SCUM

After Trying To Reclaim My Charges From Lloyds Tsb , I Have Recieved A Letter From Them Claiming That I Am Not Entitled As My Charges Are Not Default Charges They Are Service Charges, As I Have Not Broken An Agreement With Them ???? I Assume This Is Because At The Time Of Being Charged I Did Not Have An Overdraft Facility , However I Have Still Been Charged For Exceeding My Balance , Has Anyone Recieved A Similar Letter And Am I Still Entitled ? Or Are They Just Trying To Put Me Off ? Help !!!!!!!

nickmack

TSB=SCUM wrote: »

Or Are They Just Trying To Put Me Off ?

Please see the FAQ in the Reclaim Help thread, link in my signature.

szecowka77

Hi There
I too have received the same letter from them saying the same. It is a standard letter they send out to Fobb you off. The problem is trying to get throughthe contact number, which is impossible. I have sent a letter to them after this and suprise suprise they have not replied back. I am now going to the Financial Ombudsmen to sort them out. You and I Will get our money back.

DO NOT GIVE UP!!!!!!

natweststaffmember

the service argument has been defeated recently in small claims court so they should not be able to rely on that argument for too much longer.