Bank Charges - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Bank Charges

Marko_2010 Avatar
banned6y, 2m agoPosted 6 years, 2 months ago
Hi im just wondering if anyone could help me,

I have a direct debit coming out of my dads, Girlfriends bank. (Llyods TSB)
She never told me the date the bill would come out and it went overdrawn on wednesday, i put money in the bank on friday.

But i just wanna know wethere it is a standard charge for her going overdrawn or a standard and daily charge??

She is claiming that the bank are saying its £35 for going overdrawn and £15 a day. so basically shes sayin ill owe about £65.

Is this right???? She has a current account and no overdraft, but i know on my account if i go overdrawn its just a standard charge.

Any help would be appriciated.
Marko_2010 Avatar
banned6y, 2m agoPosted 6 years, 2 months ago
Options

All Comments

(18) Jump to unreadPost a comment
Comments/page:
#1
£35
#2
tell them you are unable to pay it and to close your account until further notice. hopefully they will see sense in reducing this fee so that you dont have to pay their extorionate costs.
#3
Who do you bank with?? Lloyds do £15 quid as soon as you go over and 6 quid a day ( £15 if more than 50 quid). Also £20 direct debit fee if one bounced.
banned#4
So defo only just £35??

Steven its not my account and i know for a fact she wont do anything like that, lol.

Gutted really as its the first time its happened and she normally covers all bills until my payday.
But this time she just said she forgot, Maybe im being taken for a fool and she just tryna get money off me, But im checking the letter myself when i finally get up there.
#5
Sorry I misread the question I don't need to know who your bank is!!
banned#6
She banks with llyods.

So basically the charges she will et are around £42.

Do you guys know how long it is before they put thoses charges on the account??
banned#7
Marko_2010
Maybe im being taken for a fool and she just tryna get money off me, But im checking the letter myself when i finally get up there.


can't you get the DD to come out of your account from now if you suspect her of doing this? i guess you could get an account with an arranged overdraft if you feel you don't have enough money to make ends meet just yet. or cut down spending and save up a grand to put in your account and never go below that level.

or you could get a credit card and make sure you pay the balance off each month.

if i was her i'd be annoyed cause you made a mark against her credit rating i think.
banned#8
beats me how anyone has a bank account without an agreed overdraft anyway these days. Smile give everyone a fee free £500 OD facility as standard.

Most BS / Banks will agree to one and its completely free until you use it (only pay interest on the days overdrawn).

Edited By: csiman on Sep 12, 2010 14:07: dg
#9
csiman
beats me how anyone has a bank account without an agreed overdraft anyway these days. Smile give everyone a fee free £500 OD facility as standard.


I dont have an overdraft but agree with that

OP charges normally apply the following month - its not instant

Edited By: bossyboots on Sep 12, 2010 13:57: ljl
#10
No it's not straight away. They will take it out within 60 days but they have to issue a statement and then give you 30 days or summit. So in Octobers statement you will be told of the charges and they will prob one out in November if it happened this month.
#11
Customers who go into the red will still be charged interest and there is no change to the rate currently being levied of 19.3%.

The charges for Lloyds TSB overdraft fees are:

£15 a month fee for running an unplanned overdraft. It will be payable for using either an authorised or unauthorised overdraft
£20 fee for bouncing a cheque or electronic payment, with a maximum of three such fees per day

Daily fees for being overdrawn are between £6 and £20

Edited By: The Fox on Sep 12, 2010 14:19: spelling correction
banned#12
Thank you all for your replys, much appriciated.
banned#13
csiman
beats me how anyone has a bank account without an agreed overdraft anyway these days. Smile give everyone a fee free £500 OD facility as standard.

Most BS / Banks will agree to one and its completely free until you use it (only pay interest on the days overdrawn).


Because not everyone is working, nor does everyone have a good credit rating?
#14
go to the bank and ask them to cancel the charges as it was your 1st time and they might let you off
banned#15
colinsunderland
csiman
beats me how anyone has a bank account without an agreed overdraft anyway these days. Smile give everyone a fee free £500 OD facility as standard.

Most BS / Banks will agree to one and its completely free until you use it (only pay interest on the days overdrawn).


Because not everyone is working, nor does everyone have a good credit rating?

My point was aimed at why would anyone go with a bank with rip-off fees.
banned#16
every bank charges fees don't they for this type of thing?
banned#18
colinsunderland
every bank charges fees don't they for this type of thing?

yes but the big ones are rip-off merchants (see DLM link)

but my original 'anyone' was a bit wide of the mark so point taken

Edited By: csiman on Sep 13, 2010 09:20: asd

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!