Where to start?

[milliesmum]

Hi, I'm new to the site and think this is a great site. I was looking for some advice really I have 2 dilemas?

 

I have a current account with Lloydstsb and have had for about 2 years?. This is the only current account I have and can possibly obtain. About a year ago I was 20 grand in debt and decided to go down the route of setting up an I.V.A. My main current account at the time was HSBC and Lloyds was just an account that wasn't really used and as I owed HSBC money I had to change over to LLoyds being my main account as HSBC closed my account.

 

My Dilemas

1. I know Lloyds have probobly charged me about 300 over the 2 years and would very much like this back to help make a small dent in my debt, however and a bit worried only cause I don't want them to close my account incase I can' get another one? And also don't know where to start (as in first letter and where it goes?).

 

2. Could I reclaim the bank charges incurred at HSBC? I had an account with them for well over 10 years and am pretty sure that the amount would be a bg lump sum, however caused I owed them money when they closed my account would they just take it off what i owe them?

 

I would appreciate any advice on my dilemas.

Thanks guys

[BankFodder]

I would hit HSBC first. Sorry to get you jumping around but could you post your HSBC story there and this Lloyds thread can lay dormant for the time being.

 

We can take it up in HSBC

[Seminole]

You should be able to open a basic bank account even without a good credit history. The Coop Cashminder account is available to just about everyone. It only has an electron card and no cheque book but it has good internet banking and you can use standing orders and direct debits. Something like this could be a good fallback for you. Similar products are available from the Nationwide and most of the High Street banks.

[milliesmum]

Thanks for that Have done some reading up and I'm quite confident I could get one of these accounts which is reassuring. Thanks for the tip.

[milliesmum]

Thanks for that Have done some reading up and I'm quite confident I could get one of these accounts which is reassuring. Thanks for the tip.

[milliesmum]

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