paulclarkson v Lloyds - *Full Settlement received*

[paulclarkson1985]

hi
just to let you know i am sending first letter to lloyds today;
my charges go back well over the 6yrs timescale .
still i have all my old statements and will tot it all up for the 6 yrs allowed
the number of times this bank has left me broke is unbeleivable .
will keep posting my progress
good luck everybody.

[intersimi]

Good luck mate. Remember you can only claim back 6 years (plus interest)

[paulclarkson1985]

i have added up what i have been overcharged and it comes to £522
WITHOUT INTEREST GOUING BACK 4YRS.
do i now just send them the first letter.
do i have to wait 14 days in betrween or can i just wait 7 or is it just 7 in scotland.thanks.

[richardc]

Best leave 14 days. It demonstrates that you have tried to reach a negotiated settlement.

[BankFodder]

You wait as short or as long as you like. However, we recommedn at least making a stab at trying to hold a dialogue with them at least so that the judge think that at least you acted reasonably and tried to avoid litigation.

[paulclarkson1985]

thanks for quick reply

i willwait the 14 days as you suggest.
just one more question, i have read on the forum of other people being sent letters from lloyds asking to meet them etc do i ignore these requests
or do i go and try and come to some agreement ha ha with them.

[richardc]

Do everything by letter. Don't agree to a meeting.

[paulclarkson1985]

thanks a lot richard and bankfodder
so basically its give me my money back or go to court.

i will go all the way with this at least dick turpin wore a mask on his black horse.

[richardc]

Unless there is a change in their policy, it's unlikely that they will give you your money back unless you issue a county court claim. Have you opened another back account yet? It would be wise to do so now.

[paulclarkson1985]

i know this sounds daft but why do i need to open a new bank account.

[richardc]

There is a possibility that they may close your account. It's not certain but best be prepared in case.

[paulclarkson1985]

so let me get this right
if anybody challenges there illegal charges they will close there accounts
so that means they are using bully boy tactics to stop people claiming back there own money. surley that must be illegal.
and if they carry on closing accounts they will lose most of there customers.it sounds very sinister to me.

[richardc]

As I said, its a possibility. Be prepared. And yes, they are a vicious lot.

[paulclarkson1985]

recieved standard letter back today re my first letter to lloyds regarding
my claim they basicly say no refering me to omnisman and if i dont like it open another account elsewhere, and they may take back cheque books etc
ok were up and running do i know send second letter before action or do i wait until 14 days after the first.

[BankFodder]

Wait the second 14. be as good as your word. No more. No less

[paulclarkson1985]

I have just spoken to lloyds tsb they have taken a further £35 out of my account this morning it was taken from my tax credits that was paid into my account last night.
they are still insisting it is a valid charge i reminded them of the oft press release this morning that they are unfair, and of the 1999utccr. so it seems obvious to me that they are not gouing to take any notice of the oft whatsoever .


i told them i will see them in court l.b.a.went out late last week.



sorry i could not find my original thread,

[paulclarkson1985]

Reiced a reply to my Letter Before Action today.

Usual stuff sorry to hear your not happy have a leaflet etc.
So its off to court on Monday to file my claim.

[paulclarkson1985]

Well good old lloyds have done it again.

Left it until the last minute to say they intend to defend my claim.

I have not recieved there defence yet but will keep you all informed of progress.

[reload]

Sounds familiar paul. You may want to take a look at my Template Response thread when their defense does turn up - you can then compare and see if they have added or changed anything.