*LLOYDS TSB*

[ilovesprouts]

ive just checked my bank account and lloyds have took out £15 in bank charges and last month they took £40 off me ,but i dont have an uplaned od so how can they charge me im so mad as its my sons dla money

Check what type of account you have. There's a monthly fee for some of them.

have you had an unplanned overdraft at any time in the past month? You would be charged £15 for it and then depending how much the overdrawn amount was you would also get a daily charge. If you were still overdrawn when the next billing period started then you would get the unplanned overdraft charge of £15 again.

see here

its just a cash account i can only draw out whats in

Have they paid some DDs when the money wasn't there?

have they returned any dd's due to insufficient funds as that would be £20 each time?

Have you asked them why they did it?

they said i went od so they charged me £15 for unplaned over draft ,and the last time it was for dd that cost 2,99 and 1.99

I am with Lloyds and even if you have no overdraft and they 'helpfully' try and pay DDs even with no funds available they charge you for going into unauthorised overdraft. So it is a one off £15 for going over your credit balance and then X amount everyday for a maximum of 10 days - this amount depends on how much you are over! ranges from £6-£15. On top of that the charge £20 evrytime the DD is returned!
Best thing to do is phone them and query it - you may be lucky and get them to cancel the charge! Also cancel the DD as they will try and pay them again and you can get charged again!! Keep a note of all the charges as the ruling on reclaiming charges is due in january and you may be able to claime some of them back and un lawful!