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Lloyds tsb
Comments
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Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
http://www.moneysavingexpert.com/reclaim/bank-charges0 -
So is it not worth me claiming now?
I owe lloyds tsb credit card 4k and i struggle to pay that. but then the only bill i have is my contract phone but as a couple me and my partner dont get benefits because we dont land below that threshold but i can take home 500 a month in pay from a part time job
at the time all of the charges i was working less on a lower paid job
You would most likely do better putting in a nice request for help with current financial hardship - forget the old historic charges, bank will just point to the 2009 court case and say the fees were fine. If you have problems paying bills now they might help by freezing fees, refunding some current ones etc.
Post on the debt-free wannabe forum if you haven't already, they can help you do a better budget to clear the debtSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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