Reclaiming bank charges from lloyds tsb

Kristaelmes

Me and my husband have 4 accounts between us with lloyds tsb with joint over drafts amounting to roughly £2000 we both work and receive benefits for our severly sight impaired child. We pay out between £50-£60 a month in over draft charges we never go over our over draft but still incur these monthly fees. My question is we've had these account for over 3 years and the fees and financially crippling us can we claim these back?

dunstonh

My question is we've had these account for over 3 years and the fees and financially crippling us can we claim these back?

No. you cannot claim them back. However, if you are in hardship (which is typically defined as being in a cycle of charges with no ability to escape) and your spending is breadline (no luxury items such as sky tv, mobile phone, shopping in Waitrose etc) then you can ask the bank to consider the charges being made as you believe you are in financial hardship. They will look at your case and decide if they agree with you. If they do, a refund of some of the charges is one of the options available to them. It is not the only option for them but it is the only option for you.

Lloyds_Bank

Kristaelmes wrote: »

Me and my husband have 4 accounts between us with lloyds tsb with joint over drafts amounting to roughly £2000 we both work and receive benefits for our severly sight impaired child. We pay out between £50-£60 a month in over draft charges we never go over our over draft but still incur these monthly fees. My question is we've had these account for over 3 years and the fees and financially crippling us can we claim these back?

Hi Kristaelmes,

I'm sorry to hear you're having financial problems. If you've not already done so, please give us a ring on either 01733 347 007 or 0845 3000 000 to discuss this. If needed, our team can then put you in touch with our Customer Support Unit who assist customers experiencing financial difficulty.

Thanks,

Craig