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Hi All
I'm a new member on here. I have used CAG for a while now as I have a whole heap of issues with Debt etc from 2008 onwards and that is a brilliant resource with some fantastic people helping out. The truth though is it's only now I'm starting to find the strength to really deal with it.
I've read a few things on here over the last couple of months but what has prompted me to sign up is the case against LLoyds for charges recently that this forum helped with.
I've just sent a SAR to them but know when I get the information it will show that during a time of financial hardship on one single day they honoured a DD for a loan to themselves which took me over my limit - and at the same time, on the same day, bounced a whole load of other DD's, the total value of which would not have taken me over my limit! This led to charges for bounced DD's AND over limit fees. I couldn't pay these and ended up with fee's in excess of 1500.00, a CCJ and monthly payments towards the debt. So I guess as I gather my data I'm hoping I'll be able to get guidance on here to progress a case against them.
So not sure I can offer much expertise but I can offer moral support and if there are areas I've got knowledge of I will gladly weigh in.
I'm a new member on here. I have used CAG for a while now as I have a whole heap of issues with Debt etc from 2008 onwards and that is a brilliant resource with some fantastic people helping out. The truth though is it's only now I'm starting to find the strength to really deal with it.
I've read a few things on here over the last couple of months but what has prompted me to sign up is the case against LLoyds for charges recently that this forum helped with.
I've just sent a SAR to them but know when I get the information it will show that during a time of financial hardship on one single day they honoured a DD for a loan to themselves which took me over my limit - and at the same time, on the same day, bounced a whole load of other DD's, the total value of which would not have taken me over my limit! This led to charges for bounced DD's AND over limit fees. I couldn't pay these and ended up with fee's in excess of 1500.00, a CCJ and monthly payments towards the debt. So I guess as I gather my data I'm hoping I'll be able to get guidance on here to progress a case against them.
So not sure I can offer much expertise but I can offer moral support and if there are areas I've got knowledge of I will gladly weigh in.
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