Crap Customer Sevice Dont care they are ripping you off!!

[Marilyn22]

I have been a lloyds tsb customer since I was 16 and now im 24. I recieved my statement today saying i had gone ovedrawn by the huge amount of £2.20 and would be charged £45 by going over drawn for 4 days.

 

Anyway I rang their customer service and explained to the woman that this is the first time i have EVER been overdrawn in my life, I also told her I thought it was a bit steep £45 for £2.20. She was really rude told me that I 'shouldnt have gone overdrawn in the first place' and that it was 'my own fault!' She then fobbed me off and put me through to my local branch who didnt pick up the phone!

 

Anyway I went to my local branch straight away and was faced with the same rudeness (do these people not have any training??). I had already explained the over drawn amount, that I had been a customer since i was a child, that i had never been over drawn and how upset I was that it had cost me £45!! she just fobbed me off and said they did it as a 'lesson' to stop customers doing it.

Anyway when i said to the member of staff I wanted to close my account she said 'fine then we dont want people who go over drawn anyway!!!':-x:-x:-x

 

So now I have closed my account with them and i have had all my direct debits etc transeferd to Halifax who I must say were much nicer!

[Michael Browne]

Anyway when i said to the member of staff I wanted to close my account she said 'fine then we dont want people who go over drawn anyway!!!

What she really meant was 'We don't want people who only go overdrawn once every 8 years'

[rippedoffagain]

I have been a lloyds tsb customer since I was 16 and now im 24. I recieved my statement today saying i had gone ovedrawn by the huge amount of £2.20 and would be charged £45 by going over drawn for 4 days.

 

Anyway I rang their customer service and explained to the woman that this is the first time i have EVER been overdrawn in my life, I also told her I thought it was a bit steep £45 for £2.20. She was really rude told me that I 'shouldnt have gone overdrawn in the first place' and that it was 'my own fault!' She then fobbed me off and put me through to my local branch who didnt pick up the phone!

 

Anyway I went to my local branch straight away and was faced with the same rudeness (do these people not have any training??). I had already explained the over drawn amount, that I had been a customer since i was a child, that i had never been over drawn and how upset I was that it had cost me £45!! she just fobbed me off and said they did it as a 'lesson' to stop customers doing it.

Anyway when i said to the member of staff I wanted to close my account she said 'fine then we dont want people who go over drawn anyway!!!':-x:-x:-x

 

So now I have closed my account with them and i have had all my direct debits etc transeferd to Halifax who I must say were much nicer!

 

Yes the Halifax are much nicer and only charge £28.00 for being overdrawn. Oh and £39.00 for a failed item.

 

They are all alike!!!

[Marilyn22]

so basically they only want people who will go overdraw to rip them off!!

[Enron]

Claim against them through the court, it already looks likely that personal customers will be able to claim overdraft charges back.

[Marilyn22]

Yes the Halifax are much nicer and only charge £28.00 for being overdrawn. Oh and £39.00 for a failed item.

 

They are all alike!!!

 

Yes I realise that but I was soooo p*ssed off with the way I was delt with by lloyds.

 

How can I claim the charges back through the court? I have closed the account now but lloyds have said it will remain open until 1st July so they can collect the £45 charge:-(

[freakyleaky]

You can still claim your charges back even if they have closed the account.

[Marilyn22]

who do i speak to, to do that? The bank obviously dont want to help me:o

[Enron]

You'll have to either go to court to claim it, in which case look in the templates section of the forum.

 

Alternatively you could go to the Financial Ombudsman Service who will deal with you complaint - from memory Lloyds get charged for them to handle this.

 

The only problem at present is the ongoing court case, so you may find any court claim or complaint with the FOS being stayed/delyed until the result is out for that.