This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

it was after me asking for my money back, the standard letter from the library

Thank you for your letter of 3rd march addressed to the group chairman. i have been asked to respond on behalf of the bank. Whilst i can apreciate that no one wishes to pay bank charges unnecessarily, i feel that i should point out that we do offer a free, full banking service to those customers who remain constantly in credit. however, we do ask those customers who overdraw or who do not have sufficient funds in their account as and when thier payments become due, to make a contribution towards our costs in maintining their account. these costs are quiet considerable. if for example, all of our customers conducted their business in accordance with the terms and conditions of their account, considerable savings could be made. As matters stand however, we have to employ large numbers of staff to deal with all aspects of administration regarding accounts that become overdrawn without prior authorisation. furthermore, we have had to devolop and maintain the technology to allow us to carry out these within, in case of returned items, precise timescales laid down by the clearing process. Notwithstanding the above, when you become a customer, we give you details of anycharges for the day to day running of your account. details of our charges are also available from our branch staff, telephone helpline or our website. while banking with us can be completely free, we apply charges if a customer does not have enough money in their account to meet payments they have requested us to make. You incurred charges because you did not ensure funds were available in you account to cover the payments set up by you. it is your responsibility to operate your account within any agreed limits. as a business we are entitled to set charges to cover additonal work. these charges are not hidden and are notified in the guide to banking charges leaflet we produce. we advise our customers to ensure cleared funds are available in their accounts to meet payments due. you will also note that in the front of each cheque book we request that funds are abailable before cheques are issued. you acepted these terms when you opened you account and when you agreed your overdraft. we did not agree to pay your account in excess of the amount agreed without charges being made. accordingly, i am unable to agree with your request to refund the charges. we do expect your account to be run in line with the terms and conditions of its operation. this means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. if you do not feel you will be able to run your account in accordance with terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and cheque books. alternativly, you may wish to consider seeking other banking arrangements elsewhere. That was from Martin Orton at Birmingham do you think its worth me putting a money claim in?

I faxed my lettter addressed to Martin Vanderberg chairman of lloyds tsb last friday, got a letter back yesterday saying... the chairman has asked me to reply to your letter, Just to let you know we are making a proper investigation, and you should be hearing from us within 10 days. i think i got the shit up them lol.

First of all, Hello, i'm emma live in peterborough, and i am loving this site 8) 8) 8) I hae been charged no where near anything like some of you have it comes to a total of £222.21 with the 8% interest. Still its my money and i want it back lol. I phoned lloyds today, and didnt really get very far with them, they said no more charges will be removed. what should i do now? i have been given the name of martin vanderberg at the gresham street address? should i send the template letter to him? cheers em x