consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
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
registration is free
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
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Lloyds Bank

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

Reply
 
LinkBack (17) Thread Tools
Old 29th April 2007, 14:11   #41 (permalink)
amber_ellie
Classic Account Customer
Default Re: GOT A COURT DATE? Important, please read......

Done . My son was a "struggling" Uni student when that letter was originally sent!
amber_ellie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 08:49   #42 (permalink)
olliebollie
Classic Account Customer
 
olliebollie's Avatar
Default Re: GOT A COURT DATE? Important, please read......

To GARYH.

4) A detailed Witness Statement, which specifically includes arguements which tackle the service charge arguement and "cloaking". See the post below.

Apologies for my ignorance in this - but I take it I am the witness here?? So all my details should be included in the example letter you have shown?

Thanks

Last edited by olliebollie; 30th April 2007 at 08:50. Reason: missed name off.
olliebollie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 11:43   #43 (permalink)
manxlass
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2007
Posts: 15
manxlass Novitiate
Default Re: GOT A COURT DATE? Important, please read......

Hi Gary, I'm new to this site and just reading through posts, I have filed a claim with MCOL, Lloyds have filed their defence so I am now just waiting to hear from the court, do you know on average how long this takes. Also I don't live in England, I used my mothers address in England to file my claim, do I have to appear in person or is she able to represent me? Any comments would be appreciated. Thanks
manxlass is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 12:01   #44 (permalink)
Pen
Platinum Account Customer
 
Pen's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 1,058
Pen InformativePen Informative
Default Re: GOT A COURT DATE? Important, please read......

Sorry Gary, missed your post. I will scan it today.

Pen
Pen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 13:14   #45 (permalink)
GaryH
Site Team
 
GaryH's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 6,541
GaryH has disabled reputation
Default Re: GOT A COURT DATE? Important, please read......

Quote:
Originally Posted by olliebollie View Post
To GARYH.

4) A detailed Witness Statement, which specifically includes arguements which tackle the service charge arguement and "cloaking". See the post below.

Apologies for my ignorance in this - but I take it I am the witness here?? So all my details should be included in the example letter you have shown?

Thanks
Yes, you are a witness.

Quote:
Originally Posted by manxlass View Post
Hi Gary, I'm new to this site and just reading through posts, I have filed a claim with MCOL, Lloyds have filed their defence so I am now just waiting to hear from the court, do you know on average how long this takes. Also I don't live in England, I used my mothers address in England to file my claim, do I have to appear in person or is she able to represent me? Any comments would be appreciated. Thanks
Have you recieved an allocation questionnaire along with a copy of the defence? If not you'll get that next.

See these threads -

Allocation Questionnaires - A guide to completion
Draft Order for Allocation Questionnaires

You also need to have a good read of the FAQ's and step by step instructions;

http://www.consumeractiongroup.co.uk...questions.html
Example Step-By-Step Instructions - Now updated to reflect the OFT court judgment

then start your own thread here -

http://www.consumeractiongroup.co.uk...newthread&f=11
__________________
Please remember to DONATE! Help CAG keep up the fight!


Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
GaryH is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 13:33   #46 (permalink)
manxlass
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2007
Posts: 15
manxlass Novitiate
Default Re: GOT A COURT DATE? Important, please read......

Thanks Gary, not yet received Allocation Questionnaire but I'm sure it will be on its way. Will have a read of FAQ's. Your help is much appreciated
manxlass is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 13:43   #47 (permalink)
olliebollie
Classic Account Customer
 
olliebollie's Avatar
Default Re: GOT A COURT DATE? Important, please read......

Gary, Thanks as well from me.
I'm still waiting on the paperwork as well so will take a look at the links you've given for help and advice when completing them and all the other stuff I need.
I;m a bit worried about getting it all right.i.e. the bundle etc.
olliebollie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 14:39   #48 (permalink)
Pen
Platinum Account Customer
 
Pen's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 1,058
Pen InformativePen Informative
Default Re: GOT A COURT DATE? Important, please read......

Hi Gary, still not been able to figure out the scaner, if you email me your address i will post you one of the statements. also whilst digging around today i came across some statements going back to 1995 with loads of chargers on but one in particular had a debit for loan chargers £246.67 have you ever come across loan chargers before.

Pen

Pen
Pen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 16:42   #49 (permalink)
Pen
Platinum Account Customer
 
Pen's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 1,058
Pen InformativePen Informative
Default Re: GOT A COURT DATE? Important, please read......

Court Bundel Done & Posted to SCAM and Court,

Dread doing that again next Month

Pen
Pen is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 17:58   #50 (permalink)
GaryH
Site Team
 
GaryH's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 6,541
GaryH has disabled reputation
Default Re: GOT A COURT DATE? Important, please read......

Hi Pen,

Thanks, I'll send you my address.

Yes, charges on loans are also reclaimable, assuming they're late payment charges, etc (you know - the usual 'default' type ones).

Glad to hear you got the bundle off ok - at least you'll be able to just send of pretty much a duplicate next time.
__________________
Please remember to DONATE! Help CAG keep up the fight!


Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
GaryH is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th April 2007, 21:21   #51 (permalink)
rosygraham
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 9
rosygraham Novitiate
Default Re: GOT A COURT DATE? Important, please read......

Many thanks
rosygraham is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 11:20   #52 (permalink)
JasonBall24
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 4
JasonBall24 Novitiate
Default Re: GOT A COURT DATE? Important, please read......

Hi im confused.

I have received a copy of Lloyds Defence no court date mentioned on letter.

Do I have to send a bundle now. Is it mandantry to do this as I thought the court would have sent me forms to complete or will they use the initial statement made with the claim.

Please help very confused.

Also on the bundle there is the peter mcnamara thing which says to include should I just print off the whole page or should I copy and paste it to word document then print.

Any advice would be gratefully received
JasonBall24 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 11:26   #53 (permalink)
olliebollie
Classic Account Customer
 
olliebollie's Avatar
Default Re: GOT A COURT DATE? Important, please read......

Hi I am as confused as to what to put in the bundle as JasonBall24 - so would also be greatful for advice.
So far I have got together my list of charges, have created a spreadsheet of these charges. Got all correspondence between myself and Lloyds but not sure what else should be included. Big thanks for any help.

Last edited by olliebollie; 2nd May 2007 at 11:32. Reason: spelling!
olliebollie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 12:51   #54 (permalink)
JasonBall24
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 4
JasonBall24 Novitiate
Default Re: GOT A COURT DATE? Important, please read......

Quote:
Originally Posted by GaryH View Post
I have a letter in which Martin Orton states that Lloyds' charges exist - "in order that we can recoup our costs". This was in response to a direct request to justify their charges, and no mention was made in the letter of them being any sort of "service charge". Please PM me with either your address or your e-mail address and I will post/send this to you to include in your bundles.
Gary could you please send me this

many thanks
JasonBall24 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 13:18   #55 (permalink)
BARTY
Platinum Account Customer
 
BARTY's Avatar
Smile Re: GOT A COURT DATE? Important, please read......

Quote:
Originally Posted by JasonBall24 View Post
Hi im confused.

I have received a copy of Lloyds Defence no court date mentioned on letter.

Do I have to send a bundle now. Is it mandantry to do this as I thought the court would have sent me forms to complete or will they use the initial statement made with the claim.

Please help very confused.

Also on the bundle there is the peter mcnamara thing which says to include should I just print off the whole page or should I copy and paste it to word document then print.

Any advice would be gratefully received
Hi
No need for the Court bundle yet, wait to hear from the Court. You should get a Court date and on that letter will be when you need to submit your bundle.
If you start up your own thread, you can ask any questions on there.
Good luck!
Barty
BARTY is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 13:19   #56 (permalink)
BARTY
Platinum Account Customer
 
BARTY's Avatar
Smile Re: GOT A COURT DATE? Important, please read......

Quote:
Originally Posted by olliebollie View Post
Hi I am as confused as to what to put in the bundle as JasonBall24 - so would also be greatful for advice.
So far I have got together my list of charges, have created a spreadsheet of these charges. Got all correspondence between myself and Lloyds but not sure what else should be included. Big thanks for any help.
Hi
Here:
Basic Court Bundle

Barty
BARTY is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 13:33   #57 (permalink)
olliebollie
Classic Account Customer
 
olliebollie's Avatar
Default Re: GOT A COURT DATE? Important, please read......

Barty,

Many Thanks.
olliebollie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd May 2007, 14:16   #58 (permalink)
JasonBall24
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 4
JasonBall24 Novitiate