Claiming back charges where do i start?!

[tyshamitdeb]

Thank you sharman24 it does seem strange that the letter is dated 22nd but i didnt recieve it till today should i continue to leave it till the 15th when the deadline to the LBA is up and then send rejection letter? or should i straightaway send a rejection letter to the offer i got today of £135?

Thank you

[BARTY]

Hi
I would send the rejection letter straight away. Then start the Court claim on the 15th March.
Barty

[Ann Number]

I'm new to all this - I'm about to claim back a similar amount from Lloyds TSB with interest at 8% APR. I'm happy to go to court as a last resort because LLoyds TSB wouldn't hesitate to do the same to me.... In one month they took over £300 off me - I didn't feel that I could take the bank on by myself so I never really challenged the charges before.

I'm giving the bank 14 days to pay or I'll take them to court which I will if I have to. ...and I'll be claiming costs.

I used the internet banking site to download my charges from 2002 but found that I couldn't apply formulas and formats to numbers and dates so I had cut and paste from the statements. Has anyone else had this problem?

I dare say it'll be worth spending that Saturday morning number crunching when I get the money back...and if Lloyds TSB play up I'll go back the full 6 years and look for more interest. I just hope that the black horse doesn't turn out to be stubborn old donkey!

[tyshamitdeb]

Hi barty thank you i was wondering what rejection letter to send out of the ones in the link you gave me i was going to send letter 4 because it is not a full and final settlement offer? letter number 4 gives them another 10 days to refund me the full amount but in that letter it says about sending the £135 back to them which confused me?! do you have to send the good will gesture offer back to them? but also i havent got the £135 from them yet?


Ann number i would start a thread that relates more to your case so people can offer advice to you good luck with your claim!

[BARTY]

Hi
I would send letter 4, change the wording to "goodwill gesture" or whatever they have called it in their letter. Maybe wait until they have credited your account with the money then send the letter. They won't take it back out of your account.
Barty

[tyshamitdeb]

Thank you barty il do that but aaaahhhhh!!!!! im so pi**ed off with lloyds had my statement this morning their charging me £60 for overdraft excess fees! i dont remember going overdrawn this month ive been good and kept an eye on my account if i did it was only something like 50p!!!!! can anyone recommend a good bank to open a basic account with my friend said try nationwide thats who shes with but my credit rating is not great so i know i wont get one with a cheque book/overdraft etc but i just want one so that my wages can go in and have direct debits


Thank you


How do you put the smilies in your post by the way?

[BARTY]

Hi
Try a NatWest Step account, it's a basic one but you do get a Solo Debit card, and it's great if you have a poor credit rating.
The smilies are on the right hand-side when you click on reply to thread.
Barty

[tyshamitdeb]

Hi guys


Still no sign of the £135 put in my bank account im now thinking (as tomorrrow is the deadline for LBA) that i should just send off the rejection letter giving them a further 10 days to give me all of my money back or if they dont i start court proceedings

Debbie

[tyshamitdeb]

Hi guys

Still no sign of the £135 put in my bank account im now thinking (as tomorrow is the deadline for the LBA) that i should just send off the rejection letter giving them a further 10 days to give me all of my money back or if they dont i start court proceedings


Debbie

[tyshamitdeb]

Hi guys


I am on the telephone to lloyds as i type trying to find out why they have still not credited my account with £135 they said they would 2 weeks ago!!!!!!


Just got off the phone they were no help at all!!!!!! the lady was nice though and tried to ring the number on the letter i have (recovery centre in hampshire) and i told her ive tried it and its always engaged she left me waiting and guess what?? she came back and said it was engaged and all she could say was keep trying! i said i cant sit around all day ringing this number! going to go into my local branch later and see if i have much luck there! all i can say is f****g lloyds!!!!!!! really p****g me off now! all this is doing though is making me more determined to get ALL my money back! rant over now


Debbie

[tyshamitdeb]

Finally got hold of someone on the number in hampshire and he said were behind on getting payments to people and hes going to chase it up hmmmmm were see

[tyshamitdeb]

Blimey that was quick! only spoke to the bloke this morning and ive just checked my account and the £135 is in there got to save that though for the court cost! sent the rejection letter off and they have till the 6th of april to pay the rest (which i doubt!) or i start the court stage can anyone tell me the first step of putting my claim in at court? just so i can be prepared for it as this is where i am going to be stuck!

Thank you

[tyshamitdeb]

Got my dates wrong lloyds have until the 30th of march to reply to the rejection letter dont know where i got the 6th of april from! anyway i want to get prepared for the court claim can anyone point me in the right direction please? which is the best way to file online or by post?



Thank you

[BARTY]

Hi
Most people prefer to use the N1, filing in person/post, as there is more room to write down your Particulars of Claim. I did mine online though and had no problems. Have a read of the following posts to give you an idea:
http://www.consumeractiongroup.co.uk...tructions.html (POINT 6)

http://www.consumeractiongroup.co.uk...tml#post614610

5. Money Claim On-Line (MCOL) Particulars of Claim

4. Particulars of claim - N1 - updated version now available

Barty

[Brendyn1]

Hello guys

I've just completed the Advanced Schedule. As you advised I read the FAQ through before i started the work.
I still have got a question what i'm confused about: Could you pls advise me whether I can claim the O/draft excess fee or not. I can not find my agreement with the bank unfortunatelly. I do understand from the FAQ that i can claim for exceeding my overdraft, but FAQ also says that an agreed overdraft fee is can not be claimed for... I'm confused.
Lloyds statment says: "O/draft excess fee"
Another problem is very simiular: How can i find out wheter i have any interest free overdraft limits?

Thanks for your help. Anita

[BARTY]

Originally Posted by Brendyn1

Hello guys

I've just completed the Advanced Schedule. As you advised I read the FAQ through before i started the work.
I still have got a question what i'm confused about: Could you pls advise me whether I can claim the O/draft excess fee or not. I can not find my agreement with the bank unfortunatelly. I do understand from the FAQ that i can claim for exceeding my overdraft, but FAQ also says that an agreed overdraft fee is can not be claimed for... I'm confused.
Lloyds statment says: "O/draft excess fee"
Another problem is very simiular: How can i find out wheter i have any interest free overdraft limits?

Thanks for your help. Anita

Hi
Yes you can claim o/d excess fees.
If you start up your own thread we can help you with anything else you get stuck on.
Barty

[tyshamitdeb]

Originally Posted by BARTY

Hi
Most people prefer to use the N1, filing in person/post, as there is more room to write down your Particulars of Claim. I did mine online though and had no problems. Have a read of the following posts to give you an idea:
http://www.consumeractiongroup.co.uk...tructions.html (POINT 6)

http://www.consumeractiongroup.co.uk...tml#post614610

5. Money Claim On-Line (MCOL) Particulars of Claim

4. Particulars of claim - N1 - updated version now available

Barty

Hi Barty


Thank you for the links they are great very useful advice who watched the whistleblower the other night!!!!! very interesting...........