Lloyds overdraft charges

Missgemma123

Hi so I've been receiving charges on my unplanned overdraft with lloyds for years now and I have contacted them about it and they are saying they have done nothing wrong doing and aren't willing to look into my case and are sending me a final response letter I only contacted them a few days ago is there any advise you can give me on where to go from here? I was on benefits up untill 2 years ago and the bank charges did cripple us and left us owing money all over the place the bank don't seem willing to investigate though I understand not all cases win but they don't seem willing to even look into it

PeacefulWaters

Their letter will include details of how to escalate to the Financial Ombudsman Service.

But what have the bank done that's actually incorrect?

Kim_13

The charges on a planned overdraft would have been lower than an unplanned one on the old fee system, however a bank is under no obligation to provide a planned facility. Nor would they have granted this automatically - you would need to have applied for it.

In your post you note that not all cases win - do you have a PPI complaint or have you been missold a bank account that you had to pay a monthly fee for? These would be dealt with separately to your being unhappy with your overdraft fees.