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MadMan-JaMeS

MadMan-JaMeS

MadMan-JaMeS

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Oxford
My gf is with lloydsTSB she had a £50 over draft but a couple of weeks ago it turnt into £100 now !

On the 1st of each month she has to pay £7 for the privalege of the account ??? WTF ?

but anyway on the 1st of feb they took £7 from her account making her £5.77 overdrawn we got paid on the 2nd so she was overdrawn for only a few hours and now she has to pay £30 :O

but the funny thing is when she was offered her overdraft she was never told of no charges or when they would come out so its not her fault she went over drawn. we went to the bank today and asked what its all about and the woman said oh the manager might take it off ! she asked the manager of the branch he said no so she still has to pay £30.

can we make them take it off becos it was not her fault and it only for a few hours ?

any ideas ?
 
MadMan-JaMeS said:
My gf is with lloydsTSB she had a £50 over draft but a couple of weeks ago it turnt into £100 now !

On the 1st of each month she has to pay £7 for the privalege of the account ??? WTF ?

but anyway on the 1st of feb they took £7 from her account making her £5.77 overdrawn we got paid on the 2nd so she was overdrawn for only a few hours and now she has to pay £30 :O

but the funny thing is when she was offered her overdraft she was never told of no charges or when they would come out so its not her fault she went over drawn. we went to the bank today and asked what its all about and the woman said oh the manager might take it off ! she asked the manager of the branch he said no so she still has to pay £30.

can we make them take it off becos it was not her fault and it only for a few hours ?

any ideas ?
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Generally they will do it, but only once.

Go and see the bank manager, not the minions and explain it. It should be resolved there and then out of good faith.
 
MadMan-JaMeS said:
My gf is with lloydsTSB she had a £50 over draft but a couple of weeks ago it turnt into £100 now !

On the 1st of each month she has to pay £7 for the privalege of the account ??? WTF ?
Click to expand...

thats because shes accepted to join the fancy account thing , its actually worth 7 quid if you use the free phone insurance , aa cover and other random stuff , if you dont its not worth it at all


the last time i got a 30 quid charge for been just over a quid overdrawn i went and moaned to the bank and got it back ,just made them aware ive seen the guides to getting bank charges back on the internet and that changing banks was no problem to me . they did make me agree to get an overdraft that i didnt really want so it wont happen again but i can cancel it anytime anyway

lloyds btw
 
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Speak to the manager yourself. Tell them you will close all accounts with them etc.

I found one of the supervisors(i think) to be quite the plonker and try to stay out of my branch for my own sake. :rolleyes:
 
If you sign up for an account at a bank, specifically Natwest, I've found the script goes like this (I've opened three):

"I want to open an account, just a free one with a debit card and no overdraft"

"Oh okay, well let me put your details in the computer and it will tell me what's best for you...

OOooh, it's recommended our premium account, sir! That means that you have a good enough history for our special services..."

"No, I don't want - "

"We can give you the premium account for free, it gives you ...

*long list of stuff a 19 year old doesn't need*

... and if you don't like it after 3 months we can change it to a free account."

"I thought you said it was free"

"No it's a free three month trial."

"Okay. I just want a basic account with a debit card and no overdraft."



I swear they get commission on premium accounts - they're so pushy about it, and it's the same "the computer recommends" BS every time. My girlfriend was almost brainwashed into getting one too, until I butt'd in - glad I came with her to open her acccount :p

Just go to the bank and kick up a fuss. You can even get £25 of that £30 back, apparently. I read that the office of fair trading ruled that banks can only charge a £4ish administrative fee for overdrafts.
 
furnace said:
If you sign up for an account at a bank, specifically Natwest, I've found the script goes like this (I've opened three):

"I want to open an account, just a free one with a debit card and no overdraft"

"Oh okay, well let me put your details in the computer and it will tell me what's best for you...

OOooh, it's recommended our premium account, sir! That means that you have a good enough history for our special services..."

"No, I don't want - "

"We can give you the premium account for free, it gives you ...

*long list of stuff a 19 year old doesn't need*

... and if you don't like it after 3 months we can change it to a free account."

"I thought you said it was free"

"No it's a free three month trial."

"Okay. I just want a basic account with a debit card and no overdraft."



I swear they get commission on premium accounts - they're so pushy about it, and it's the same "the computer recommends" BS every time. My girlfriend was almost brainwashed into getting one too, until I butt'd in - glad I came with her to open her acccount :p

Just go to the bank and kick up a fuss. You can even get £25 of that £30 back, apparently. I read that the office of fair trading ruled that banks can only charge a £4ish administrative fee for overdrafts.
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Aye its the same everywhere. All i ever got when i went to pay stuff in with my debit card(some 16+ card) was "Oh thats actually a 16+ card you can get the 18+ account now.....it will give you X Y and Z" and i'm like nah this is fine since all i do is withdraw/pay with chip+pin and buy online.

The next time i went back i ended up signing up for it and you can practically get anything you want for some reason. My mate just got a £500 overdraft,he looks like a ned,he doesnt have a lot of money going into his account and hes probably withdrawn all that already to pay my mate back and pay his debt to his "druggy mates". :rolleyes: Madness.

Oh and aye.....my workmate got 3 £30 charges cut down to just one(if i remember correctly) as he topped his phone up with a fiver 3 times when he had no money in that account. Even if they just cut it down to a tenner then its better than £30 isnt it.
 
furnace said:
forced premium accoutns
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yup so true , lloyds did it to me . proper hassled me into getting the 3 month trial . in all honesty i felt sorry for the lass trying to sell it to me she was so desperate

it works out ok for me though becuase i may need to use the phone insurance and aa cover :) and its cheaper paying 7 quid to the bank than getting both those seperatley (just)

what i mean is im too lazy too cancel it :o
 
well we are going back on friday and i'm gonna go with her and say that she will change abnks and all tht i've been overdrawn for nearly 2 days for £20 with HSBC and i heard nothing at all not a whisper so i suggested she move to them but we'll see how it goes !

is there anything i can print of about the charges and stuff anywhere ?
 
furnace said:
If you sign up for an account at a bank, specifically Natwest, I've found the script goes like this (I've opened three):

"I want to open an account, just a free one with a debit card and no overdraft"

"Oh okay, well let me put your details in the computer and it will tell me what's best for you...

OOooh, it's recommended our premium account, sir! That means that you have a good enough history for our special services..."

"No, I don't want - "

"We can give you the premium account for free, it gives you ...

*long list of stuff a 19 year old doesn't need*

... and if you don't like it after 3 months we can change it to a free account."

"I thought you said it was free"

"No it's a free three month trial."

"Okay. I just want a basic account with a debit card and no overdraft."



I swear they get commission on premium accounts - they're so pushy about it, and it's the same "the computer recommends" BS every time. My girlfriend was almost brainwashed into getting one too, until I butt'd in - glad I came with her to open her acccount :p
Click to expand...

They don't get commission, however they do have sales targets to meet and staff can lose their bonus and even risk losing their job if they don't meet/exceed them on a regular basis. It's a recent thing, and one of the reasons I didn't want to work in telephone banking.

To the OP - you don't mean she wasn't informed of terms and conditions at all, you mean she didn't read them. You can ask politely that they remove the charge as it's a one off, and then get them to change it to a normal interest paying current account, but don't demand anything.

Jonny ///M - what you suggested always makes customers seem like idiots with no respect for staff, and it means staff are less willing to do anything more than they have to. The people who complain about overdraft charges are ones who are unimportant to the bank, so they won't care if the account is closed anyway. I used to find it really funny that it was only ever customers with >£100 in their account that acted this way.
 
I have a Lloyds TSB account and i pay £7 for my account (its a select account and it gives me AA roadside, mobile phone insurance and card/passport protection. All of this tops up to over £7 a month)

Anyway, i went overdrawn by something like £2 for 1 day. I phoned them up, got the indians to put me through to my branch and then explained that i never go overdrwan and they reversed the charges for me.

Get her to phone them and explain whats happened. They will reverse it charge. :)
 
well i'm 22 and gonna stick to my savings account my banks always ringing me asking me if want current account or loan but dont need it,dont need overdraft and way i see it if i need money i have to go to cash point machine and question is can i be asked to look for one if answers no then just saved my self money.
 
MadMan-JaMeS said:
but the funny thing is when she was offered her overdraft she was never told of no charges or when they would come out so its not her fault she went over drawn.
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She signed up for a bank account without reading the charges? You know that she has to pay £7 on the first of each month for her bank account, you said it yourself.

Why do people think they have a god given right to claim money back for their own stupidity?
 
platypus said:
Why do people think they have a god given right to claim money back for their own stupidity?
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Why is there always one moron who thinks they've got the god given right to judge others? Get a life.
 
Cuchulain said:
Why is there always one moron who thinks they've got the god given right to judge others? Get a life.
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He's posted it on a public forum, he's asking for judgement. Perhaps you didn't get that.

Overdrawn charges are published, you agree to them when you sign up. Ergo they are fair, as are monthly charges for a bank account. Its because of people like this that soon we'll all have to pay a monthly fee for decent banking, so yes I do have a right to complain. Get off your high horse, it affects those of us who can actually manage their finances.

Penalty fines for bounced cheques aren't reasonable, hence they're not fair. Its not that complicated.
 
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platypus said:
He's posted it on a public forum, he's asking for judgement. Perhaps you didn't get that.

Overdrawn charges are published, you agree to them when you sign up. Ergo they are fair.

Penalty fines for bounced cheques aren't reasonable, hence they're not fair. Its not that complicated.
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I must have missed the sentence where he said "Could some moron please tell me if my girlfriend is stupid or not?", as I said, go get a life and stop worrying about other peoples.
 
Cuchulain said:
I must have missed the sentence where he said "Could some moron please tell me if my girlfriend is stupid or not?", as I said, go get a life and stop worrying about other peoples.
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You've obviously missed a lot more then that.
 
Sometimes people need to be told to sort their finances out. People not being told is exactly why this country is in such a ridiculous amount of debt.
 
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