DannyS Vs Lloyds TSB Help needed.

dannys · 26th April 2007, 18:56

Hiya Everyone, I am so glad I found this site

Am I correct in assuming that the first step is to send a Preliminary approach for repayment along with the schedule of charges. Is that right?

Someone mentioned a Subject Access Request, what is that? I have all my statements so do I need this?

Also I am putting 2 claims in, one for my personal account and one for my business account.

Thanks

Danny

nicsussex · 26th April 2007, 20:25

If you have your statements and know all your charges then there is no need for Subject Access Request. So yes you need to start with preliminary approach letter.

You are aware of the difference between claims for personal and business accounts?

dannys · 26th April 2007, 20:43

thanks for that Nic, I know there is something different, I'm not sure what though.

nicsussex · 26th April 2007, 20:48

You may want to have a look here

http://www.consumeractiongroup.co.uk...ount-lets.html

dannys · 22nd May 2007, 16:36

I have sent the 2nd leter re personal account claiming.

I have seen this on the web and am really worried now, can anyone explain why LLoyds won?

BBC NEWS | Business | Bank's overdraft charges upheld

LISAM696969 · 22nd May 2007, 16:41

there is an entire thread devoted to this up top section on lloyds forum , if you have a look there , "lloyds victory in perspective"

LISAM696969 · 22nd May 2007, 16:42

Lloyds "Victory" - A View of the Judgement this should get you there !!

dannys · 22nd May 2007, 16:44

Thanks Lisa, much appreciated

dannys · 10th June 2007, 20:52

Hi Everyone.

I have received a letter from Lloyds in reply to my Preliminary approach for repayment along with the schedule of charges. What do I do now?

Thanks

Danny

BARTY · 10th June 2007, 22:10

Hi
If it's been 14 days since you sent the Prelim, you should now send the LBA:
3. Letter before action - Consumer version - asking for it back

Also have a read of these links to help you:
http://www.consumeractiongroup.co.uk...tructions.html

http://www.consumeractiongroup.co.uk...se-read-these/

Good luck, let us know how you get on.
Barty

dannys · 10th June 2007, 22:47

thanks so much Barty, much appreciated

dannys · 25th June 2007, 21:05

I am about to send letter 3 (LBA) but it says "I am very disappointed that you have failed to respond to my letter" - but they did respond, they just said I can't have the money back. Is this still the letter I need to send?

Thanks
Danny

nicsussex · 25th June 2007, 21:07

simply add the word 'positively' after the word respond

tlb29 · 27th June 2007, 20:58

Hi

I've been dipping in and out of this site since Jan but still not finding my way round to the relevant forums! I have been trying to reclaim £1400 from Lloyds TSB with no luck so far. I got a repy to my final letter before action more or less saying on your bike! I'm very nervous about taking the
next step to court action. so please let me know if you have any luck. Barclays payed out £600 after first letter!

BARTY · 28th June 2007, 12:03

Quote:

Originally Posted by tlb29

Hi

I've been dipping in and out of this site since Jan but still not finding my way round to the relevant forums! I have been trying to reclaim £1400 from Lloyds TSB with no luck so far. I got a repy to my final letter before action more or less saying on your bike! I'm very nervous about taking the
next step to court action. so please let me know if you have any luck. Barclays payed out £600 after first letter!

Hi
Lloyds rarely pay out that amount before the Court action, so you should start the claim.
And please start up your own thread so you can ask any questions on there.
Good luck!
Barty

dannys · 30th June 2007, 19:28

Thanks Guys And Gals - Good Luck Nic

dannys · 4th August 2007, 09:16

Hi,

I have just received a letter from LLoyds TBS saying that they are waiting for the OFT to make a ruling on this.

This was in reply to the Letter before action.

I assume someone will know of this letter and will be able to advise on the best course of action.

Many thanks

Danny

zootscoot · 4th August 2007, 10:14

Hi Dannys,

Continue as normal.

There is a possibility that your claim will be stayed until after the test case, but that is for the court not Lloyds to decide. If you file now at least you won't miss out on the older charges and the interest will soon start to add up. Also there is the possibility that the ocurt will allow your claim to continue.

Have a look at the new template POCs specifically for Lloyds in the bank template library.

All the best

Zoot

dannys · 4th August 2007, 10:29

Thanks Zoot, much appreciated, nice avatar by the way

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