People,

I mistakenly overdrew my current account by 27 pounds and received a 60 pounds fine!

whats the best way to deal with lloyds bank on this issue?

Ideas anyone?

Just pay the fine, there is nothing you can do about it.

You overdrew your account without having the facility.

Thanks Osama.

The issue is that i have a substantial amount in the same bank but in my saving and cash isa accounts. The other day that i oversubscribed my ISA, the bank moved the money from my ISA to my current account and sent me a letter informing me.

When I asked the bank why they would rather put me in debt so that they can charge me instead of taking their money from my savings or ISA, they told me that 'they dont do that'. when i provided the letter the bank sent to me when they moved my funds from the ISA, the woman kept mute.

LLoyds bank could have just loaned me my own money and charged me interest on top. thats fraud! My ISA with 3k pounds only yielded 23pounds in a year. meanwhile a 27 pounds overdraft( a mistake) yields 60 pounds in 3 days!

I was obviously a mistake and the bank knows it.

Thats how it works here, at times when you see the charges coming up you go run mad.

I will transfer my salary account to another bank. I will just write them a nice letter, attach my cheque and close the account.

If its the first time talk to them they will cancel the charge. It happened to me before.

thanks presido

i have called four times, been to the branch thrice and written twice. so far I have gotten silence from the bank
Last time i walked in, i met some guy sneering at me through the glass.
Lloyds tire me!