Lloyds TSB

vickyb

hi there,
yes i would keep going when the test case was announced i was at the point where i was just about to submit my claim with moneyclaim online (MCOL) but i had to wait a week (as i didnt have the cash to pay) cos it costs you £120 to do it with MCOL,so in the mean time i sent the next letter stating if they didnt pay i was taking them to court,so they didnt reply so i took them to court paid the £120 and it went ahead,the court acknowledeged that they had received the claim from me but still no reply from lloyds so the next step was to send a bailiff (it cost me £55) with a warrant for the money (£3771.04),it all took about 3 weeks from the court receiving my claim to the bailiffs going with the warrant but i received every penny back on monday i couldnt believe it thought it would take a lot longer,so i would say most definetly go ahead you may be like me and get it back pretty soon but there is a few people who are still waiting but youll never know unless you try
good luck
vicky x

pwill

I Recently Went £7 Overdrawn With Lloydstsb And They Charged Me £30 For The Pleasure And £30 For Every Day I Was Overdrawn. It Happened Again Two Weeks Later. This Time I Went Over By £2 And The Same Thing Happened. I Complained And Got.......£30 Waivered (aren't They Generous) Any Advice????

johnnynonails

hi i filed mcol on line on the 1st of august, lloyds put a defence in and then my case was stayed, i havent heard anything at all but i didnt think i would till after the test case , however long that maybe , so i just have to sit and wait , lol be grey by the time i get my money back , sum pple say do ur mcol and then u get interest from the day u have done the claim , mine was for £4,120 wish they would get there finger out i could do wiv sum of that money for xmas lol , this account is joint wiv hubby and my debit visa card ran out of date so i asked for another 1 but the lady said i couldnt have a new one cos of the way i managed my account how strange i thought so i got sent a basic hole in the wall one , hubbys is soon to run out to on jan 2008 so will have to wait and see if he gets a basic one 2, its so nice of tsb after all been wiv them 20years think i might just change banks soon as a basic card is no good to us any way gud luck all , thanks jill

theviking5252

Had a call one night a month ago saying that we had gone over our overdraft limit by £13, which was ok in a day again. and thought no more of it.
Went shopping and thought i would check online and found out that they charged £60 overdraft excess? And guess what, they have thrown me back over the limit again. Good old lloyds. been with them for 37 years and this is the first time lately we have struggled. Like they say these days you are just a face.:(

scottishfreebiehunter

Have to agree with you as Llyods are a nightmare:mad:
I logged onto my internet banking Friday and low and behold £60. taken off for charges,I had wait for it went over £4.00:mad:
I called up the bank as never been overdrawn for years and he said nothing we can do :mad::mad:
There service is getting terrble along with there overseas call centre.

chipbeck

Lloyds charged me £700 in one month for bouncing my DD's then they put an advert on tele saying they are the most popular, caring bank.

Not with me they aren't.

mrmajika

chipbeck wrote: »

Lloyds charged me £700 in one month for bouncing my DD's then they put an advert on tele saying they are the most popular, caring bank.

Not with me they aren't.

That's 20 separate direct debit bounces. Must have been a bad month - ouch!

flossy_splodge

I've had this, £60 for going over limits for a brief period on a single occasion and i went in to the branch, got the 'customer service manager' and said I really didn't mind which option she preferred but either I was reimbursed or I changed banks. Also been with them many many years. Guess what? Got the money back. Honestly. But then i really didn't care, as far as I'm concerned, if they don't have loyalty to their long standing customers anymore, then I certainly won't have loyalty to them. Give it a go! Just a note of caution, I run an alternative current account so it really would not have been a problem to change. Good luck.:T

miranda.bend

About 5 Years ago I ended up owing around £2000 in credit card charges and overdraughts. I have a lloyds TSB Select account, they kindly offered me a loan (I have ended up paying back abt £5000 over 5 yrs). What I want to know is this, I was supposed to have a £50 o/d limit as part of the deal, I pay everything by d/d(on Income support) and sometimes I may go overdrawn for about 12 hours or 24, its not normally above £10. Theyve been charging me 35 each time for the past 5 yrs as an unplanned o/d. Can I reclaim these charges? Roughly about 200 quid a year. I have learned my lesson with credit cards though!!!! Any advice gratefully received!!!! Its driving me bonkers!!!!!

obsessedwithmoney

Hi,

First thing is to think all the banks are in competition for your money. I have just received a refunded overdraft arrangement fee , but already had one authourised. I would give them a ring and find out for sure if one is in place , if not ask for one, probably a bit more than necessary to allow for timing etc.

Next, put in writing a request for all previous charges to be refunded due to them being unlawful, see Martins template on the main site, with dates and as much actual info as you can give. I got a letter back saying this was being delt with , then got another which said I had been sucessfull but I noticed still a charge - so watch out for that one. I then got on the phone and basically said that banks are now competing and the A & L are offering 6% in credit and 0% on an overdraft in a current account. Remember they want your money and have 'kindly' let you pay through the nose on your loan.

If that all seems to complicated - really it's not - but mainly get an authourised overdraft in place - preferabley with A & L if your bank are going to charge a fee, but you could argue that for only £10 a month for a day - it is a ludicrus amount when you already pay 18% apr for having one.

Hope this helps
:T