To contact us about this letter

either visit any branch or write to us at:

London Oxford Street 115-117 (309487)
Lloyds Bank
BOX 1
Mr A Cretu BX1 1LT
44 BLACKBORNE ROAD
DAGENHAM
ESSEX or call us on: 0345 3000000
RM10 8SS Our reference: EM918 / AEM2

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Letter Date: 5 October 2022
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Dear Mr Cretu

Account: 309487 66621868

Account Title: Cretu A.
Arranged Overdraft limit: £1,000
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Account Balance: £1,116.44 overdrawn

Your account has gone into an unarranged overdraft – what you need to do next
We’ve tried to make payments from your account but there wasn’t enough money to cover them.

We won’t charge you for any payments that couldn’t be made.

We’re here to help

We understand sometimes things change, and we want to support you. If you think you won’t have
enough money in your account for future payments, please get in touch. We can talk through your
options together and see what we can do to help. There are also details of other people you can
speak to for independent help and advice at the end of this letter.
If you have any questions or want to talk to us about your options, visit us in branch or call us using
the number at the top of this letter.

Independent help and advice is available

We're always here to help, but there are also other people you can talk to for independent help and
advice. If you have any questions, they can talk to us on your behalf if you'd like them to. Here are
some services that offer free, impartial support:
• National Debtline, 0808 808 4000, www.nationaldebtline.org
• StepChange, 0800 138 1111, www.stepchange.org
• Citizens Advice, www.citizensadvice.org.uk

Yours sincerely

Darren Tong
Head of Personal Current Accounts

PLEASE CONTACT US IF YOU'D LIKE THIS LETTER IN BRAILLE, LARGE PRINT OR ON AUDIO.
If you have a hearing or speech impairment and would prefer to use Textphone, please feel free to contact us on 0345 300 2281 (or 01733 347500 for International customers) or
via Text Relay.
www.lloydsbank.com
Page 1 of 1
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. LgenRN3*35C**56*U
Lloyds Bank plc Registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no.2065. Telephone: 020 7626 1500. 7T84758Mem_bau43p
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme. We are covered by the Financial Ombudsman Service.