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    • Missgemma123
    • By Missgemma123 4th Dec 17, 5:47 PM
    • 1Posts
    • 0Thanks
    Lloyds overdraft charges
    • #1
    • 4th Dec 17, 5:47 PM
    Lloyds overdraft charges 4th Dec 17 at 5:47 PM
    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
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    • PeacefulWaters
    • By PeacefulWaters 4th Dec 17, 7:03 PM
    • 8,320 Posts
    • 10,638 Thanks
    • #2
    • 4th Dec 17, 7:03 PM
    • #2
    • 4th Dec 17, 7:03 PM
    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
    • By Kim_13 4th Dec 17, 7:19 PM
    • 1,901 Posts
    • 2,035 Thanks
    • #3
    • 4th Dec 17, 7:19 PM
    • #3
    • 4th Dec 17, 7:19 PM
    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.
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