I used to bank with Lloyds, but I got horrendously into debt (mostly with them) so I started a Debt Management Plan and swapped to another bank.
I have two accounts still open with Lloyds with some money in, but they are obviously frozen and I cant use them. I pay money every month to my debt but obviously stil in arrears with them. Before I changed banks, I had got a few charges for being overdrawn etc etc, not many to be fair but also have had charges for being late on payments with debt - I dont know if that can be claimed back.
I just wondered if I send one of those letters to Lloyds asking for my charges back, what will they do because I owe them money.
Does this question make sense? I hope so.
2007-03-22 22:08:24 · 4 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
You can get back all the overdraft excess fee charges, the overdraft interest charges, and the 25 quid bounced cheque charge, i was also in debt to lloyds up until a few weeks ago, i owed them £1125 after they withdrew my overdraft facility, so i called them and ordered my last 6 yrs statements, after adding up the charges, i sent them a letter demanind a refund within 7 days, they basically refused, so i took it further ... Took them to small claims court, and got £1251 refunded, but it took a while, 6 months altogether ... if you need any help email me or buzz me on messenger, i'll be happy to help
2007-03-23 02:53:31 · answer #1 · answered by Anonymous · 1⤊ 0⤋
You can't claim back late payment charges even if not in debt unless there was a genuine error in why it was charged. I was just 1 day paying my credit card bill and they removed my low interest deal and charged me £12, i can't do a thing cos it's my fault, however after a call to them they reinstated the deal as a good will thing but the charge stands.
BUT if you are denied access to manage your account you do have a case ...
2007-03-22 22:20:10 · answer #2 · answered by just-dave 5 · 0⤊ 0⤋
You have the same rights as anyone else irrespective of the debt. If the charges were unfair then you are entitled to reclaim them.
2007-03-22 22:19:13 · answer #3 · answered by ? 5 · 0⤊ 0⤋
yes this question makes sense, dont know if it will work but you might as well try. the worst that can happen is they say no. your no worse off than you are now
2007-03-22 22:16:50 · answer #4 · answered by ? 5 · 0⤊ 0⤋