Consumer Action Group envelope labels
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Are you being threatened over debts more than 6 years old? This may be unfair
See our new Unfair Trading Guide Bought an extended warranty? Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file? Check it out Are you a victim of unfair trading? Check it out The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file? Check it out | | | | | | | Lloyds Bank Meet other Lloyds Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | |
24th April 2007, 22:28
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#82 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Quote:
Originally Posted by ULTRA691 Hi new to site i worked out my charges at £5107 with interest over last 5 years with Lloyds TSB done the letters ,where do i send to my branch or head office cheers .ultra691 | Hi
Send it to:
Customer Care
Lloyds TSB
125 Colmore Row
Birmingham
B3 3SF
Please start up your own thread and then we can help you out on there.
Barty  |
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25th April 2007, 15:25
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#85 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Out of interest Pen, have you recorded the phone call?
If not i would prepare your witness statement to include the info, name times etc, but don't count on it being decisive. If would be better if you had recorded the call with the other persons knowledge i should add, simply because then you can use it as evidence in court. It may still be evidence without their permission but i wouldn't bank on a court allowing it.
Ill have a think see if anything else comes to mind, its certain that they have your data and you are entitled to it, the only issue is getting the right evidence to force them to supply it.
Ill have a look back through your thread to read some more see if this gives me any ideas.
HTH
Glenn
__________________ Kick the shAbbey Habit Where were you? Next time please Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07 GE Capital (Store Cards) Information Commissioners Office says theyve been naughty MBNA - Settled in Full GE Capital (1st National) Settled Lombard Bank - S.A.R - (Subject Access Request) sent 16.02.07 MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA |
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25th April 2007, 21:38
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#87 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Hi Glenn, I wouldn't count on reading back through my thread being of any help, it is totally confusing and so much has happened, the main thread is Pen-V-Lloyd's TSB. But your right of course they do have my records and for some reason they are not allowing then out of the bank. I do think that on a few occasions they have made a big c... up with our account especially with O/Hs loan agreement. But I think there is more to it then that, I can remember something happening in the past but not quite what. I think It had something to do with a insurance policy with Scottish Widows, our insurance got canceled when they amalgamated after we had been paying it for years.
Anyhow, i did not record the call, i should have learned by now, i have read people doing it so often on here but I just called on the off chance.. and its always the same women Janet who I talk too. I was quite shocked when she told me they would not release any more info, actually I do have a letter from her, she sent me about 6 months statements last month and a letter stating " This is the final information from my initial searches. I have contacted all the various departments again and is still awaiting a response. If she can't get it then I have no chance.
pen
__________________ if i have been off any help to you please click my scales cases won 28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement 18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.
Last edited by Pen; 25th April 2007 at 22:04.
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27th April 2007, 13:58
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#89 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Quote:
Originally Posted by Big Ninja J Hello all,
I have received what I guess is the standard response from Lloyds today stating that the charges are not default charges at all. I have therefore registered with this site and am preparing to move to the next level. Do people recommend a further letter to Lloyds promising court action or simply instigating a claim with the Small Claims Court? Wish me luck. | Hi
If it is the reply from your LBA then you should start the Court claim. If it is the reply from your Prelim you should send the LBA.
If you start up your own thread you can keep us all updated on there.
Good luck!
Barty  |
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27th April 2007, 19:13
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#90 (permalink)
| | Basic Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Okay guys, I do have all of my paper statements back to 1997 when my account was opened (sad bugger never throws any paperwork away!!!). Anyway, I have already sent Lloyds my LBA and the time has expired on this. I have been reading this thread with interest and wondered how I can go about testing the water with this one. Would I need to restart my claim, issue a new prelim and LBA with the charges back to '97, or can I add further detail now at this stage ?
Alternatively should I continue with this claim (my MCOL is ready to go) and then start a second claim for the earlier charges?
Last edited by BillyS; 27th April 2007 at 19:28.
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30th April 2007, 14:08
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#97 (permalink)
| | Platinum Account Customer | | |