Difference between revisions of "Lloyds TSB"
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Unpaid Standing Orders<Br> | Unpaid Standing Orders<Br> | ||
Unpaid/Returned direct debit | Unpaid/Returned direct debit | ||
+ | |||
+ | |||
+ | == LloydsTSB Bank Charges: A Guide - 2001 to present day == | ||
+ | With thanks to Yourbank | ||
+ | |||
+ | '''Bank charges that are claimable and how they work:''' | ||
+ | |||
+ | |||
+ | '''1) Overdraft Excess Fee/Unplanned overdraft Fee:''' | ||
+ | |||
+ | They charge this when you go overdrawn by £10 or more above an agreed limit, or by £10 or more without any agreed limit. They will charge this fee again on subsequent days if we make a payment for you that increases your unauthorised overdraft by £10 or more. | ||
+ | |||
+ | A subtle change happened in around September 2006 with the wording above replaced with this: | ||
+ | They charge this when you go overdrawn and don’t have an overdraft facility, or if you go overdrawn above an agreed overdraft. They will charge this fee again on each day we make a payment for you that increases your overdraft. | ||
+ | |||
+ | In November 2007 they changed the fee to '''Unplanned Overdraft Fee''' | ||
+ | |||
+ | This is a daily fee for being over the overdraft fee and a maximum of 10 fees per charging period are applicable. There is also a monthly set fee payable as well. | ||
+ | |||
+ | |||
+ | '''2) Unpaid Item Fee/Returned item fee :''' | ||
+ | |||
+ | You'll be charged this fee whenever there is not enough money in your account to make a payment, such as direct debit, cheque or standing order. | ||
+ | |||
+ | |||
+ | |||
+ | == How much have I been charged? == | ||
+ | {| border="1" cellpadding="2" | ||
+ | !width="100"|Date | ||
+ | !width="500"|Overdraft Excess Fee | ||
+ | !width="500"|Unpaid Item/Reurned Item Fee | ||
+ | |- | ||
+ | | | ||
+ | 2001 | ||
+ | | | ||
+ | Going into 2001 the Overdraft excess fee was that when the account went overdrawn during a charging period you were charged 60p each transaction. | ||
+ | | | ||
+ | Going into 2001 this charge was £27.50 per item | ||
+ | |- | ||
+ | | | ||
+ | August 2001 | ||
+ | | | ||
+ | That changed in August 2001 when it was monthly fee of £20 per month | ||
+ | |- | ||
+ | | | ||
+ | September 2001 | ||
+ | | | ||
+ | It increased in September 2001 to £25 per month | ||
+ | |- | ||
+ | | | ||
+ | April 2002 | ||
+ | | | ||
+ | They made a further change to the charging structure in April 2002 when a charge of £20 per day capped at £80 per charging period) | ||
+ | | | ||
+ | In April 2002 it increased to £30.00 per item | ||
+ | |- | ||
+ | | | ||
+ | January 2005 | ||
+ | | | ||
+ | In January 2005 it increased to £25 per day(capped at £75 per charging period ) | ||
+ | | | ||
+ | In January 2005 it increased to £32.00 per item | ||
+ | |- | ||
+ | | | ||
+ | July 2005 | ||
+ | | | ||
+ | From July 2005 it increased to £30 per day(capped at £90 per charging period) | ||
+ | | | ||
+ | In July 2005 it increased to £35.00 per item | ||
+ | |- | ||
+ | | | ||
+ | December 2006 | ||
+ | | | ||
+ | |||
+ | | | ||
+ | In December 2006 it was capped at 3 charges per day. | ||
+ | |- | ||
+ | | | ||
+ | November 2007 | ||
+ | | | ||
+ | In November 2007, LloydsTSB completely changed their charging structure. | ||
+ | |||
+ | Less than £25 was £6 per day | ||
+ | |||
+ | £25 to £100 was £15 per day | ||
+ | |||
+ | More than £100 was £20 per day. | ||
+ | |||
+ | A Monthly charge of £15 is levied on top of the above charges. | ||
+ | | | ||
+ | In November 2007 the charge was reduced to £20 per item with a maximum of 3 per day. | ||
+ | |} | ||
+ | |||
+ | |||
+ | |||
+ | |||
+ | |||
+ | LloydsTSB seem to have had a policy since June 2002 on all accounts of this | ||
+ | “We understand that everyone can make mistakes from time to time, which is why we won't charge you the first time you go overdrawn without agreement, as long as you haven't done so in the past 12 months.” | ||
+ | |||
+ | |||
+ | A grace period came into force on 2nd November 2007 | ||
+ | “If your account goes over its limit, you’ll have until 3.30pm (UK time) that day to pay in enough money to cover all your payments. If you do, you won’t incur any Unplanned Overdraft fees. “ | ||
== Contact Details == | == Contact Details == |
Revision as of 19:10, 1 December 2008
Contents
Description of Charges
Overdraft Excess Fee
Overdraft Usage Fee
Returned Cheques
Unauthorised Borrowing Fee
Unpaid Cheque
Unpaid DDM
Unpaid Direct Debits
Unpaid Items
Unpaid Personal Loan
Unpaid Standing Orders
Unpaid/Returned direct debit
LloydsTSB Bank Charges: A Guide - 2001 to present day
With thanks to Yourbank
Bank charges that are claimable and how they work:
1) Overdraft Excess Fee/Unplanned overdraft Fee:
They charge this when you go overdrawn by £10 or more above an agreed limit, or by £10 or more without any agreed limit. They will charge this fee again on subsequent days if we make a payment for you that increases your unauthorised overdraft by £10 or more.
A subtle change happened in around September 2006 with the wording above replaced with this: They charge this when you go overdrawn and don’t have an overdraft facility, or if you go overdrawn above an agreed overdraft. They will charge this fee again on each day we make a payment for you that increases your overdraft.
In November 2007 they changed the fee to Unplanned Overdraft Fee
This is a daily fee for being over the overdraft fee and a maximum of 10 fees per charging period are applicable. There is also a monthly set fee payable as well.
2) Unpaid Item Fee/Returned item fee :
You'll be charged this fee whenever there is not enough money in your account to make a payment, such as direct debit, cheque or standing order.
How much have I been charged?
Date | Overdraft Excess Fee | Unpaid Item/Reurned Item Fee |
---|---|---|
2001 |
Going into 2001 the Overdraft excess fee was that when the account went overdrawn during a charging period you were charged 60p each transaction. |
Going into 2001 this charge was £27.50 per item |
August 2001 |
That changed in August 2001 when it was monthly fee of £20 per month | |
September 2001 |
It increased in September 2001 to £25 per month | |
April 2002 |
They made a further change to the charging structure in April 2002 when a charge of £20 per day capped at £80 per charging period) |
In April 2002 it increased to £30.00 per item |
January 2005 |
In January 2005 it increased to £25 per day(capped at £75 per charging period ) |
In January 2005 it increased to £32.00 per item |
July 2005 |
From July 2005 it increased to £30 per day(capped at £90 per charging period) |
In July 2005 it increased to £35.00 per item |
December 2006 |
In December 2006 it was capped at 3 charges per day. | |
November 2007 |
In November 2007, LloydsTSB completely changed their charging structure. Less than £25 was £6 per day £25 to £100 was £15 per day More than £100 was £20 per day. A Monthly charge of £15 is levied on top of the above charges. |
In November 2007 the charge was reduced to £20 per item with a maximum of 3 per day. |
LloydsTSB seem to have had a policy since June 2002 on all accounts of this “We understand that everyone can make mistakes from time to time, which is why we won't charge you the first time you go overdrawn without agreement, as long as you haven't done so in the past 12 months.”
A grace period came into force on 2nd November 2007
“If your account goes over its limit, you’ll have until 3.30pm (UK time) that day to pay in enough money to cover all your payments. If you do, you won’t incur any Unplanned Overdraft fees. “
Contact Details
REGISTERED ADDRESS: -
LLOYDS TSB BANK PLC
25 GRESHAM STREET
LONDON
EC2V 7HN
DATA PROTECTION ACT
Copy Statement Unit
Lloyds TSB Bank plc
Swallow House
10 Swallow St
BIRMINGHAM
B1 2AL
PRELIMINARY AND LETTER BEFORE ACTION
Customer Care
Lloyds TSB
125 Colmore Row
Birmingham
B3 3SF
COMPLAINTS DEPARTMENT EMAIL ADDRESS: -
CUSTOMER SERVICE/COMPLAINTS CONTACT NUMBER: -
0845 3000 000
Penny Berryman's direct telephone number. 020 7522 5202
INTERNET BANKING WEBSITE: -
HOW TO OBTAIN YOUR STATEMENTS ON LINE: -
Once registered, a user can log on and view statements. On the page where you see the detailed entries, there is a box entitled "Please select a statement option" - click on the little downward arrow at the right, and a drop down menu appears. Choose "search your statements" and hit "go". Then appears a form which allows you to search for statements, up to three months at a time. You can go back to 1 July 2002 only.
OTHER CONTACTS: -
Mr Chris Brown
Copy Statement Unit
Account Services
Group Operations
Swallow House
10 Swallow Street
Birmingham
B1 2AL
Eric Daniels
Chief Executive
Lloyds TSB Bank plc
25 Gresham Street
London
EC2V 7HN
OR
Ms Terri Dial
Executive Director, Retail Banking
Lloyds TSB Bank plc
25 Gresham Street
London EC2V 7HN
Other Banks
See the Banks page for a list of other banks and credit cards
Created by Me01273 23:08, 28 May 2007 (BST)