Lloyds TSB

midnightagogo

Are they still doing the 3pm "grace" period, I.E. not charging until after 3pm of the day you exceed overdraught?

thefiish

Any advice would be greatly appreciated.
I have business and personal accounts with lloyds. With the current climate my small business is finding it hard to get paid on time. This has left me up to my £100 overdraft limit on my personal account and my business account doesnt have an overdraft as lloyds recently asked/told me they wanted me to clear it (£2k) within one month or take a loan .
I had recently been charged £35 for a returned direct debit, and £15 per day when used an unplanned overdraft. I got worried about some impending direct debits so asked to extend my personal overdraft to cover them short term while i could sort out shifting some savings in to my account.
The overdraft got turned down, with a "computer says No" attitude. I then had 5 direct debits returned within a couple of days. I wanted to know where i stand on this because they are going to try and charge me £35 a time.
Thanks
the fiish

mevslloyds

Hi everyone.. Need a bit of advice about claiming with lloyds tsb.. I have sent them a couple of letters, which they replied with 'you are having financial difficulties' so basically they didnt want to pay out.. So last monday i took it to MCOL. They gave lloyds from the 1st Feb till the 14th to reply.. I have checked this morning and they have defended the claim, which means it will go to court ets.
Has anyone bee in this situation? If so please can you guide me with what will happen next...
Thanks

chipbeck

mevslloyds wrote: »

Hi everyone.. Need a bit of advice about claiming with lloyds tsb.. I have sent them a couple of letters, which they replied with 'you are having financial difficulties' so basically they didnt want to pay out.. So last monday i took it to MCOL. They gave lloyds from the 1st Feb till the 14th to reply.. I have checked this morning and they have defended the claim, which means it will go to court ets.
Has anyone bee in this situation? If so please can you guide me with what will happen next...
Thanks

The case will be stayed and you will have to wait unfortunately until they can tell us officially that they don't have to pay us anything.

Crisp_£_note

Hi

I have just received the backdated statements from Lloyds TSB. I have 4 sets in all as we had 4 accounts (2 sole, one joint and a business account). I have read a lot of the info already on these boards but need more info as to what I can and cant claim.

The actual issue I have is the list of charges Lloyds has provided doesn not in any way compare to the lists mentioned on these boards.

What I need is specific info to Lloyds TSB accounts if anyone has sent in a claim and has a list of the actual wording Lloyds use it would be very helpful.

I feel like a bit of an idiot but I am sure it is because Lloyds as always had to be different!

Hoping to get back enough to clear the loan debt I now have with Lloyds so any help welcome please!

Thanks

tAngo_4

i dont know if im on the right thread but i wonder if someone can help me?? iv noticed that money was coming out of my tsb account for about 2 months. i stoped it there and then and they should be doing an investigation into it. but heard nothing, so i went into a nother tsb.where a trace was made to b'ham where an content incurance was opend by someone els. but my account details was forwarded, i still havent heard anything. so i went into the b'ham branch yesterday and told them the situation. the woman told me that there is no note explaining this era on my account!!!. i told her i want to make an officel complaint. so she made a note on my account and told me that her boss will contact me today. but i got a call about half hour ago sayin that the boss was not in today. an that they phoned the person who the insurance belong to and told her to pay back the money and she told the bank that she's in finansul problems and it's not her doing, but the banks. what shall i do?? do i ask for compansation?? i hav an appointment tomoz. can someone give me some amunishon to go in with!!!!! pleassssssssssssssssssxx:o

mevslloyds

HAS ANY1 BEEN TO COURT VIA MCOL??????

I know I have already wrote on here regarding my Lloyds claim, but am really worrying about it.
It is going to court as they have defended it via Mcol, but ive never been to court and wary of what happens. Also is it a waste of time and money doing this?
I have already payed the £80, but am told i will have to pay another £100+ when it goes to court. Will I ever get my charges back.???

:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

brody77

Hi all.

Not sure if this is the right place to ask - charges from lloyds are crippling me just now, I'm not far from having to go bankrupt I think.

Has anyone been in a situation where they've agreed to stop charges til you get back on your feet?
It would help me greatly.

mevslloyds

the same thing happened to me with lloyds... they will not stop the charges completely, but they asked me to pay back what i could each week, and increased the o/d while i was doing this to stop even more charges being made against it.. Just give them a call and explain. there usually quite good.... Just not when it comes to paying bank charges back lol

Crisp_£_note

Please can someone tell me or direct me to where I can find the info on Lloyds bank charges and what I can and can not claim? I have looked but cant find anything specific as their wording is different to most.

Many thanks