Lloyds Bank Charges Reclaim

Butterfliesarepretty

Hi,

Its a while since I have been on this forum. Ive just received all my husbands bank statements from 2001 and Ive totalled all the overdraft unplanned or excess fees from then till 2016 and this is £810.

A few year ago I claimed from all the bank accounts I had and was successful.

Hopefully I can get this back for my husband using the next template letter. What interest charge should I put on top of this amount??

My husband has never claimed back charges so is letting me do it for him.

Thanks

Tracey

tomtontom

The banks won the charges case.

Are you in hardship? Is there any non essential spending on the account (Sky, gym, expensive mobile etc)?

If in hardship they may make a goodwill gesture to assist your husband get back on track. This may be six months payments, it certainly will not be fifteen years. If there is any non essential spending they may consider that he is not in hardship.

Butterfliesarepretty

Hi,

Thanks for the reply, yes the banks won the case but my husband can still claim on the fact of financial difficulty. There are no non-essential items on the statements, but Im going to try anyway and see what reply he gets.:T All the bills for our house come out of my bank account. We have separate bank accounts with different banks.

dunstonh

but my husband can still claim on the fact of financial difficulty.

That isnt how it works. If you are in current financial hardship, you can make your case to the bank by stating that the charges are making it difficult for you and state how it is impacting on lifestyle and affordability. The bank will look at the spending habits and situation and decide what, if any, help it can give. it is not required to refund a penny. Some of the options do not involve a refund. It can suspend future charges for a period. Put him on a debt management scheme or refund or a combination. Refunds, when they do happen, tend to be short term. Such as refunding the last 6-12 months.

If you dont ask you dont get. However, it is not the same as it used to be.

James_Mitchell

Hi, I have received 6 years worth of statements today from Lloyds. Luckily they have given me a statement showing all charges as opposed to me having to go through every statement!

Is it only the charges I have been given for a) missing a direct debit & b) going above my agreed OD limit I can attempt to claim back? I pay a monthly fee for my account and have an agreed £2800 OD which I pay monthly interest for.

Thank you for your help.

Best Regards,

Jamie

dunstonh

James_Mitchell wrote: »

Hi, I have received 6 years worth of statements today from Lloyds. Luckily they have given me a statement showing all charges as opposed to me having to go through every statement!

Is it only the charges I have been given for a) missing a direct debit & b) going above my agreed OD limit I can attempt to claim back? I pay a monthly fee for my account and have an agreed £2800 OD which I pay monthly interest for.

Thank you for your help.

Best Regards,

Jamie

Please post on your own thread and not someone else's thread. This is known as thread hijacking and considered bad form. The reason is that people may start responding to you and take the original questions off topic and leave the original poster no longer getting discussion about their issues. You can copy and paste what you have written. So, it shouldnt take two minutes.

James_Mitchell

No problem. How do I post a new thread?

James_Mitchell

I'm new to this site & can't see any option at the top of the page to post a new thread. Sorry to be a pain.

[Deleted User]

James_Mitchell wrote: »

I'm new to this site & can't see any option at the top of the page to post a new thread. Sorry to be a pain.

http://www.moneysavingexpert.com/site/forum-introduction-guide?_ga=1.128912782.340047350.1365283676