Packaged Account Fees

[di30]

Re: Packaged Account Fees

Brilliant thank you Ame!

[Amethyst]

Re: Packaged Account Fees

That's those for now ... have a quick look and of they are useful I'll sort them out properly for U xx Propably focus a bit better, or even post them to you as I don't have a scanner at the moment ( I blew it up) so have to rely on dodgy photographs lol.

[Amethyst]

Re: Packaged Account Fees

And more ... couple more to go xx. I might download these on my pc and print to pdf the right way make it easier ... I just can't figure out how to do it off this thing.

[Amethyst]

Re: Packaged Account Fees

More xxx

[Amethyst]

Re: Packaged Account Fees

Attaching bits individually . Sorry I'm still learning how to use my Ms surface tablet thing xx

[di30]

Re: Packaged Account Fees

I have the folder out and it is only really the stuff the OFT used in the test case (so terms current at that time grrrrr)

Lloyds wise I have copies of

Personal Banking Terms and Conditions November 2007

Leaflet Avoid Slipping into the Red ( Nov 2007 )

Personal Banking Overdraft rates and charges November 2007

Banking Charges leaflet (again Nov 2007)



If anything might be useful to you tell me and I'll scan it in.

Ooh thank you Ame.

I am grateful for the info you have Ame, in regards of the O/D Rates & Charges Nov 2007
Terms and Conds.

All you posted above may be beneficial for me, as long as its not too much for you Ame. It all looks interesting lol.

A BIG thank you Xx

[Amethyst]

Re: Packaged Account Fees

I have the folder out and it is only really the stuff the OFT used in the test case (so terms current at that time grrrrr)

Lloyds wise I have copies of

Personal Banking Terms and Conditions November 2007

Leaflet Avoid Slipping into the Red ( Nov 2007 )

Personal Banking Overdraft rates and charges November 2007

Banking Charges leaflet (again Nov 2007)



If anything might be useful to you tell me and I'll scan it in.

[di30]

Re: Packaged Account Fees

Hi di - I have a massI've folder of historical terms - will dig them out see if there's anything relevant for youand scan it up - probably be tomorrow morning as out all day today - er did scam quite a lot in during thé test case - ad I recall there was a dedicated forum for banks terms in VIP - my phone is a bit pants so can't hunt fir them now but will have scouts about later on xx and correct t atrocious typing too lol xx

That will be fab!! thank you Ame, and yeah that's good, when your ready hun, thank you, i am very grateful! xx

[Amethyst]

Re: Packaged Account Fees

Hi di - I have a massI've folder of historical terms - will dig them out see if there's anything relevant for youand scan it up - probably be tomorrow morning as out all day today - er did scam quite a lot in during thé test case - ad I recall there was a dedicated forum for banks terms in VIP - my phone is a bit pants so can't hunt fir them now but will have scouts about later on xx and correct t atrocious typing too lol xx

[di30]

Re: Packaged Account Fees

Actually I've just remembered that we might have all the T&Cs, at least Amethyst may have. When we were invited to a meet with the OFT towards the end of the test case they gave me hard copies of all the current account terms & conditions of all the banks that they held on file. It was a stack about 6 inches thick and I gave them to Amethyst so she may still have them.

I'll ask her.

Ooh thank you!

For the last 10 years plus I've been a carer to my son with special needs and just receive Carer's allowance and hubby's income was when sold the premier account less than £21K and less the years before.

[EXC]

Re: Packaged Account Fees

Right okay the last 2 not even with mine and hubby's income put together we ever earned £35K or £60K as income in a year!!!

Can I also put this forward as we have proof from tax records of our earnings going all the way back?

I don't see why not.

[EXC]

Re: Packaged Account Fees

Actually I've just remembered that we might have all the T&Cs, at least Amethyst may have. When we were invited to a meet with the OFT towards the end of the test case they gave me hard copies of all the current account terms & conditions of all the banks that they held on file. It was a stack about 6 inches thick and I gave them to Amethyst so she may still have them.

I'll ask her.

[di30]

Re: Packaged Account Fees

Gold account £10 per month @ £120 per year.
Couldnt find too much benefits on this one but for eg:
Annual travel insurance for up to 2 people up to 30 days.
Free purchase protection available
Entitles up to 120 days cover against loss/damage.
Roadside assistance.

Platinum: £180 per year.
Worldwide travel insurance for you and partner.
AA Breakdown worth £159 a year.
Mobile phone insurance
£250 interest free overdraft
Sentinel Card protection/commission free travel money.

Premier £300 per year.
Home emergency cover
ID theft protection
Worldwide family travel insurance
AA breakdown cover worth £194 a year.
Sentinel Card protection.
£500 interest free overdraft.
.................................................. ..................

I believe the income bracket for GOLD was at least £6000 a year.

Platinum at least £35000 a year

Premier at least £60000 a year

Right okay the last 2 not even with mine and hubby's income put together we ever earned £35K or £60K as income in a year!!!

Can I also put this forward as we have proof from tax records of our earnings going all the way back?

[di30]

Re: Packaged Account Fees

Does any of you folks know if Gold account was ever a free account?

And another thing, does anyone know or remember if Premier account (lloyds) monthly charge raised from £15 to £25 in 2007? thanks.

[di30]

Re: Packaged Account Fees

I note on the other forum OTR, that some were not paying for Gold Accounts until 2012, how come I was paying for this back in the earlier 2000's?
Hmmm unless I'm confused - dont know!