Consumer Action Group envelope labels
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Display one of our labels on your envelopes.
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Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Welcome Guest
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Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
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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 |  | 
14th April 2007, 13:42
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#4 (permalink)
| | Platinum Account Customer |  Re: My Mate 'v' Lloyds TSB
Quote: |
Please could someone let me know whether I can claim for "O/DRAFT USAGE FEE" @ £25.
| Yes you can. | 
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2nd May 2007, 18:16
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#6 (permalink)
| | Platinum Account Customer | Re: My Mate 'v' Lloyds TSB
Just drafed up LBA. I have added a small paragraph to tie it into their standard response. Could someone please advise as to whether it is ok.
I am very disappointed that you have not responded satisfactorily to my letter of the 16th April 2007. I now understand that the regime of ‘fess’ which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statue and recent Consumer regulations.
I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I am frankly shocked that you have operated my account in this way as I have always reposed confidence in your integrity and expertise as my fiduciary.
You state in your letter dated 24th April 2007 that the charges that you have levied from my account are not ‘default’ charges and that they are actually a fee for your service. May I take this opportunity to inform you that under the Supply of Goods and Services Act 1982 s.15, your fees must be reasonable and I feel that in this case they are not.
I have calculated that to date you have taken £225.00 from my account, and have enclosed a schedule detailing this.
I require payment in full of this money and if you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.
__________________  If you think my post was helpful, please feel free to click my scales New to the site: read this first Dummies Guide to CAG Frequesntly Asked Questions | |
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2nd May 2007, 18:29
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#7 (permalink)
| | Platinum Account Customer | Re: My Mate 'v' Lloyds TSB
Quote:
Originally Posted by jowalshy  I now understand that the regime of ‘fess’ ... | I think 'fees' would be better! | |
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road,
London,
NW11 7PE
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My Mate 'v' Lloyds TSB 
Re: My Mate 'v' Lloyds TSB 
