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Oh yeah - the buggers. there getting sneakier !!!

I got the same letter yesterday. aparently i missed a DD as charges sent me over my overdraft again! cant remember the letters have a "ps our charges are....."

Same as Andy999 really, when i worked at Nationwide, it was before the whole charges thing. i often asked why, just beause they were available online. we didnt charge, but it just meant that it would save a whole lot of time and stop the customer coming back stating they hadnt arrived I know that if a customer at the time was not registered online, the branch form did have a box asking if there was a reason (from what i can remember) Aiden

Good afternoon, i can totally relate to alot of issues. I worked for Nationwide for over 4 years both in the call centre HQ and then in a branch, as a customer advisor. at first i was given a Full facilty Flex account visa debit/cq book etc and a small O/D. Believe me, when i started to get charges i was getting a load of trouble from HQ and my branch manager. there view on the matter was "if you cant manage your own finances -you cant manage our customers" complete tosh in my oppinion, the wages were really out of line with other banks. As a result i was given a verbal warning and stripped of my credit card and visa debit until i was sorted all because i went less than £100 over my O/D 3 months in a row. as a result i went to LLoyds and never been back ! too much hassle. so as Sazz was saying this very much does happen - right or wrong! In relation to charges when i was at the branch: all charges were added automaticly and had to be manually reimbursed by someone at the branch in most cases with nationwide. In my oppinon in responce to "Bookworm" I agree what you say about mistakes and complete cockups. when it comes to DD's CQ's bounces etc it is at the branches discretion when you go in. as you can imagine, getting on your high horse infront of customers and getting S**ty with the branch staff isn't going to go down well and they (in my humble oppion) are less likely to help you or credit the charge I had many a customer that sat with me and explained that they are broke because of charges and 9/10 i will credit as long as there not taking the mick by coming in every month. Those that kicked off at me - i often referred them to HQ ( bad i know but hey i'm being honest) Obviously i dont work for NBS anymore as of 18months due to me re-locating, so things may have changed a little but that is how my branch worked and when i was at HQ call centre they are not as easy to get round with charges as they are in a huge call centre ( Swindon - not India:p ) and what is agreed is heavily monitored. always go to branch. im not saying beg on knees and make an arse of yourself, but be civil - you never know, the person you are talking too maybe in the same boat as you. sorry to be a bore. any questions on NBS i will try and help, still got a lot of friends there. (misconduct - who me?. never) Aiden

That is so true! sent my letter requesting DPA yesterday. i dread to think how much i have been charged, since i have been with Lloyds all because of a reducing overdraft.

Hi Jinty, in exactly the same boat. close to £200 a month charges with no end in sight. like above Thread - start with FAQ's and have a good around the site. thats what i'm doing trying to make sense of it all good luck Aiden

Thanks Dave, like you said its completly soul destroying to think that there is no end to the circle of charges. I have read more threads since my post and beginning to see some light to the problem. allbeit the lights of a court room

where to start ! ive been with Lloyds now for a couple of years and have a relativly good income. back in september 2005 i was relocated with my employer 280 miles north from my home town. Prior to Moving i applied for an Overdraft with Lloyds for £500 just to help with the fees on a short term basis as i knew that it would be a struggle. of course the request was declined as i had missed a direct debit once through no fault of my own. Once i moved as predicted, i really struggled went overdrawn (unauthorised) this matter quickly escalated and i starting getting threatning letters and phone calls regarding the balance - at this point charges a plenty. this then resulted in Lloyds agreeing to give me an "reducing overdraft" of £1100 that would reduce £92 per month. GREAT I THOUGHT (how wrong i was) every month since, i have still been struggling stemming from when i moved i am being charged on average £160 in charges on top of the £92 that my overdraft reduces. each month the salary goes in, the overdraft reduces, the bills go out and then the charges go on - OVER MY OVERDRAFT. next month repeat. i have called lloyds several times asking to adjust the repayment plan beacuse the charges keep sending me over my overdraft and they just say. cancel direct debits. spend less on shopping. IVE TRIED! dont get me wrong, i dont expect the whole cake and the plate. i'm a 26 yr old account manager having to resort to working at ASDA part time to keep afloat. LLoyds are relentless I am a member of Money saving expert and havent been on for a while and just discovered this Forum. i have read the FAQ's and still feel out of my league. any words of wisdom? Thanks and sorry for the rambling - its the first time that i feel people may be able to relate. Aiden