lloyds dont want to play!!!!

[jon700]

have sent for and received statements and manual interventions worked out the charges and sent the letter asking for it back giving them 14 days to reply. They replied within 4 days basically saying take a hike! the letter was from mandy horton assistant manager.Because of this do i wait until the 14 days are up then send the lba or shall i just send it now? your replies and help would be great thanks

[Robertxc]

Hello Jon, welcome to the forum.

You could wait until the 14 days are up, but really, there's not much point. They've given you their answer, so you might as well proceed to the next step. It's not as if they're going to write to you again next week and tell you they've changed their mind and you can have your dosh back after all.

Good luck, and don't forget to keep us updated on your progress.

[HD]

You need to show the court ( if it ever goes that far ) that you have given the bank every oportunity to settle the dispute without resorting to the courts. Hence the 14 day deadline. If they have said that this is their final response then some people say send an LBA.

I would personnaly wait the 14 days, but that's just me.

[Cmdenny]

John - I do am in the same position and i have the same reply from Mandy Horton. In mine it says they will take away my debit card and o/d and suggest I consider looking to bank elsewhere.


I dont knwo what to do either. I think I am going to send a letter back to her - repeating the initial request and then after the 14day stage look to proceed in the footsteps that other brave people have made before me....

[dave e]

hi
i have just joined to day still trying to get my feet last year i got charged £600 in two months for returned direct debits etc the bank raised my overdraft and made me pay back £50 per month with intrest. what can i do to recover this amount

[Robertxc]

Originally Posted by dave e

hi
i have just joined to day still trying to get my feet last year i got charged £600 in two months for returned direct debits etc the bank raised my overdraft and made me pay back £50 per month with intrest. what can i do to recover this amount

Hello Dave, welcome to the forum. First, you need to READ THE FAQS - they will tell you everything you need to know. Once you're ready to claim your charges back, start a new thread so that you don't end up hijacking someone else's.

Good luck.

[Cmdenny]

Originally Posted by dave e

hi
i have just joined to day still trying to get my feet last year i got charged £600 in two months for returned direct debits etc the bank raised my overdraft and made me pay back £50 per month with intrest. what can i do to recover this amount

Dave - Check the Forum Sub CAtegory - Libary.

Then send out the initial Data Protection Act request. (Data Protection Act) enclose a cheque for £10 which is the most you bank can charge - then you will get statements for the last 6 years - work out what they owe and send the next form (found in libry. also). At this stage I had some hassle from Halifax Visa getting the statements (they dont want us to claim basically!) and then they gave me the full amount Lloyds looks like it will be alonger battle - and will be a new experience to me also.

[Robertxc]

Originally Posted by Cmdenny

John - I do am in the same position and i have the same reply from Mandy Horton. In mine it says they will take away my debit card and o/d and suggest I consider looking to bank elsewhere.


I dont knwo what to do either. I think I am going to send a letter back to her - repeating the initial request and then after the 14day stage look to proceed in the footsteps that other brave people have made before me....

If I can make a wee suggestion...

You've written to them giving them 14 days. They've responded, which means they definitely received it, so they know what they have to do. A better tactic is to control the agenda and make them react to you, not the other way round. After 14 days, send the 'Letter Before Action'. This will show them that you're not going to be deflected by threats. Remember, YOUR money, YOUR claim, YOUR agenda.

Also, it's by no means certain that they're allowed to close your account or otherwise 'punish' you for claiming back unlawful charges. There are a number of threads on the forum from very knowledgeable people which I recommend you seek out and familiarise yourself with on this subject.

[jon700]

thanks for all your replies. am going to wait until the 14 days are up then send the lba.the claim is for just over 3k so will keep you all updated,it doesnt matter if they want to close the account as i closed it three years ago!!!!