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    Over Overdraft

    Hi Guys,

    Recently just checked my account and for some reason the de vere booking I made 6th September only came out on the 26th of this month sending me over my overdraft by £40, I didnt notice this until yesterday when I paid it off immediately but having just called lloyds they say they are going to charge me £45 for the pleasure.

    The advisor said I could go into the bank and ask the manager for a let off basically, has anyone had any success with stuff like this or know the best way to do it?

    any help greatly appreicated

    12 Comments

    Banned

    Have you been over-drawn before with the lloyds?

    i would go into the bank and explain whats happened, usually if its your first time they will let you off

    Original Poster

    no never been over before as far as I can remember

    Banned

    KapA

    no never been over before as far as I can remember



    You should be let off it then (_;)

    Banned

    still makes me wonder why people dont have Money organiser software (most of it is free). You know exactly where you'll be each month after ins / outs etc. It wouldnt have mattered when de veres had taken the money then, you would know you were going to go overdrawn at that stage.

    Just say you want to close your account and they'll probably back down if its the first time

    Should double check when stuff doesn't go out, sometimes it happens for whatever reason on there end, its not nice but you did spend the money set aside for that at some point. I would go in and explain but they may tell you to look after your finances better.

    Original Poster

    well csiman its not my main account, its my graduate account from uni hence why I dont use it often was simply a one off, I cant close the account as I owe them money from the over draft,

    Banned

    Adam2050

    Should double check when stuff doesn't go out, sometimes it happens for … Should double check when stuff doesn't go out, sometimes it happens for whatever reason on there end, its not nice but you did spend the money set aside for that at some point. I would go in and explain but they may tell you to look after your finances better.



    I wish I was as sensible as you.

    Original Poster

    went into the branch and they said they would reduce it to £30 as a good will gesture, but she said that if I went to my account holding branch they may be able to clear the whole thing

    Banned

    KapA

    well csiman its not my main account, its my graduate account from uni … well csiman its not my main account, its my graduate account from uni hence why I dont use it often was simply a one off, I cant close the account as I owe them money from the over draft,


    shouldnt use it at all if you are on your overdraft limit anyway tbh

    Banned

    Here´s a novel idea

    Why not actually try to run all the month with a healthy credit.

    You will be fine as it's a one off and the money hasn't come out. My experience is they won't refund but will waiver. See how you get on and be polite as they are more likely to waiver if you don't go in moaning about bank charges or blaming others!!
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