Unauthorised overdraft charges, Please help, - HotUKDeals
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Unauthorised overdraft charges, Please help,

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Last month i been charged £44 of unauthorised overdraft charges on my Lloyds tsb a/c, their was direct debit for £9.99 which i din't remember and gone over drawn by £4.00.., it was Christmas period …
flp14344 Avatar
7y, 3w agoPosted 7 years, 3 weeks ago
Last month i been charged £44 of unauthorised overdraft charges on my Lloyds tsb a/c,
their was direct debit for £9.99 which i din't remember and gone over drawn by £4.00..,
it was Christmas period then i din't check my a/c, only realised when the letter came through the post saying that they gone take £44 out of the a/c on 4th of feb,
its £20 fee and £6 per day for 4 days,
is their any chance that i can avoid it.., hard times.., please help..,
Thanks in advance,Rep will be given 4 help
flp14344 Avatar
7y, 3w agoPosted 7 years, 3 weeks ago
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banned#1
go into your bank and discuss this, also get an overdraft facility in place for when you forget these things
#3
sassie
go into your bank and discuss this, also get an overdraft facility in place for when you forget these things


I want to do that today but what will say.., that will definitely say its a standard charges:thinking:
banned#4
flp14344
I want to do that today but what will say.., that will definitely say its a standard charges:thinking:


just say you made an error calculating your finances, most banks will waver this fee if they can see it was an error on your part and you are trying to do something about it, say you want to sort out an overdraft so is doesnt happen again, etc,etc

dont go in with an attitude, just explain your circumstances and grovel basically - lol
#5
have u done it b4? they may let u of its its the first time u gone over
banned#6
why is everyone going overdrawn lately and sharing it on here?
#7
If it's your first time they may show leniency and refund half, or all of the charges. If they refuse you'll have to take it as a hard lesson learnt I'm afraid.

Good luck.
#8
This is the 1st time happened..,
#9
flp14344
This is the 1st time happened..,


try phoning them then and see what they say,they may let u off,good luck :)
#10
lumoruk
why is everyone going overdrawn lately and sharing it on here?


it must be that its confusing understanding what a deal is, compared with not spending the money on a deal based on what finances you have, no deal?
banned#11
go into the bank if you can, face to face is better than phone, ask to speak to manager
banned#12
Sassie how many this month?
[mod]#13
Go in and speak to a manager. Do not be confrontational. Remain calm and be diplomatic.

It might be worth setting up an overdraft whilst you are in the bank as interest will be a lot less than charges.
#14
Carley
this is only the second thread iv'e seen about it lately, how many have you seen?


http://www.hotukdeals.com/item/592263/lowest-bank-charges
there is this one and the one i posted earlier n this thread
#15
I used to work for Lloyds at Cannons Marsh (A long time ago), if it's a first offence, explain the situation and they might eother let you off or condense it down to the one off charge.

They'll be more likely to let it go if buy into one of their 'premium' accounts with a *ahem* free overdraft.
#16
Carley
just what i thought, so 2 people out of 232,096 members accounts for everyone?

The op gave a reason, it was xmas and they weren't as diligent as normal (and is human so prone to making mistakes.)


Hey im not agreeing with him just showing you the 2 I have seen
#17
Carley
just what i thought, so 2 people out of 232,096 members accounts for everyone?

The op gave a reason, it was xmas and they weren't as diligent as normal (and is human so prone to making mistakes.)


+1 :thumbsup:
#18
The bottom line is how good your credit rating is and whether the bank want to retain your business. You can threaten to move your current account elsewhere. Have a look on Quidco and see whether anyone is offering enough of an incentive to make it worthwhile. Then be prepared to say that you want to close your account IF the polite request to waive the charges doesn't work.

Unfortunately, LloydsTSB are not renowned for their high level of customer service. :roll:
#19
Carley
and a hefty monthly charge for the account (albeit one that comes with certain privileges)


Yep... And i'm not certain on the cancellations rights. Last time I advised someone to do that and cancel it the Terms & Conditions police were onto me in seconds...
#20
Carley
a quick advanced search of the word "overdraft" and I've found a total of THREE recently, hardly inundated!


yes I agree with you
#21
thanks everyone, going to branch in a bit.., see what happens:whistling:
banned#22
good luck x
banned#23
whatever you do - SWITCH BANK!

£6 a day - jeez!
#24
csiman
whatever you do - SWITCH BANK!

£6 a day - jeez!


Looking for a switch to Halifax reward a/c:whistling:
#25
I don't think you will get any refund. It happened to me last year with LLOYDS of course and they didn't do anything . I even wrote a complaint to them and all they said was if I want I can file complaint with ombudsman.........who has got time for all this.....If you are lucky let us know. All the best.

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