Ren
Member
Registered: 16th Oct 04
User status: Offline
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I got charged an overdraft fee on one of my Lloyds accounts last week. I didn't know anything about it, until I read a letter that I recieved from them yesterday saying I was overdrawn by 96p to which they have given me a nice little charge for £57. This isn't what pisses me off though. It's the fact that I will be getting charged £6 a day until I pay off the charge in full, and cos my cock-arse of a bank is only open Mon-Fri, 9am-4.30pm, I'm at work before they open and after they close.
I'm lucky because I managed to do a bank transfer from one of my other accounts, but what would I of been able to do if I never had another account? Banks have it easy IMO. Open 5 days a week (sometimes 4) and no-ones ever there after 4.30. Wankers 
By the way, 96 fucking pence.
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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ring them, get the charge reversed, i did that recently 
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Ren
Member
Registered: 16th Oct 04
User status: Offline
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 you can do that? I made the guy work out how much overdraft fees I have paid since 2005, and he hit me with a figure I was expecting tbh.
£2.8k
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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yeah, you wont get it all, but some cant be bad
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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I find Lloyds TSB sound. Halifax on the other hand are a bunch of tossers!
Transfering my saving accounts over when i get change.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Ren
you can do that? I made the guy work out how much overdraft fees I have paid since 2005, and he hit me with a figure I was expecting tbh.
£2.8k
You need to manage money a lot better then!
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sam-smith
Member
Registered: 8th Jan 07
Location: plymouth, UK
User status: Offline
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i got charged £25 this morn for going overdraft, thing is as soon as i do for things like insurance etc i transfer it back over immediatly every time.
i also got chrged 12.95 for some bankaccount plus thing i dont want so i am gonna cancel that and ask for my money back
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Welsh Dan
Member
Registered: 23rd Mar 00
User status: Offline
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Just wait until the test case goes through, then you should hopefully be able to reclaim it all back again.
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Richie B
Member
Registered: 18th Apr 04
Location: Newcastle
User status: Offline
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Lloyds suck.
You suck at teh monies though  . £2.8k in charges for going just over overdraft :/
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Never had a bank charge in my life!!
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Richie B
Member
Registered: 18th Apr 04
Location: Newcastle
User status: Offline
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quote:
Originally posted by Colin
Never had a bank charge in my life!!
Same here. We rawk at money handling \00/
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Ren
Member
Registered: 16th Oct 04
User status: Offline
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It was when I was a student, and I had 3 different accounts. One of them should of been a student account with a £1000 overdraft (interest free) but it was not. I got charged over and over for what I had, and I usually only had enough to pay the charge for the month because I worked shitty hours around uni and looking after my brother.
Haven't been in overdraft since 2006, and now I get charged for being 96p overdrawn on an account that should of had at least at tenner in it 
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Richie B
Member
Registered: 18th Apr 04
Location: Newcastle
User status: Offline
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If you ring up, there's a good change the kid on the other end will remove the charge
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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quote:
Originally posted by Andrew
quote:
Originally posted by Ren
you can do that? I made the guy work out how much overdraft fees I have paid since 2005, and he hit me with a figure I was expecting tbh.
£2.8k
You need to manage money a lot better then!
It's not as easy as that sometimes though, my current account only has money in it the day before my insurance payment goes out, as the money is transferred in from another account.
The payment goes out on the 30th of the month, so on the 29th, the money goes in.
That's fine, except for in February, when I was charged £30 for an unpaid direct debit, then a further £42 for going into my overdraft, which then meant that I had to find £72 extra to put in the account to stop it happening the following month
If I'd not managed to borrow the £72, I'd still be in a constant loop of not being out of my overdraft, every month, just getting further and further in to debt when the bank charge whatever TF they want for something which doesn't cost them a penny.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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You get charged for going into your overdraft? I get charged like 20p or something when i do that.
I must admit that i'm constantly in my overdraft down to bad planning. But i never go over my agreed overdraft as that's just silly.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I worded it wrong I meant 'going overdrawn', not 'going into my overdraft' I no longer have an overdraft.
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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If you've only had that one charge in the recent future, they will usually take it off. It is a bastard when they charge you, but essentially it's not your money, so either they charge you for it, or it's theft Plus you will always have a phone number to call for your branch if you'd like me to get that Tomorrow?
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Robin
I worded it wrong I meant 'going overdrawn', not 'going into my overdraft' I no longer have an overdraft.
This is what i have an overdraft in place for. I plan to save money and then get stung with a bill or repair. Gets paid off 1st of the month when i'm paid.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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i had a similar thing with the royal mail, had to pay a charge of £1.02p for an underpiad item, i paid it and by the time it came i had missed the wedding the invitation had had inviting me, the thing that pisses me off even more was the fact £1 was just a charge so they did all that for the sake of 3 pence. Funny thing was since it was an invitarion all of them were under paid and loads of people missed the wedding reception
also got charged 10 interest on account and then got a bank charge because the account had no money as it wasnt being used wankers
[Edited on 17-08-2008 by CorsaB4ever]
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