mjanet v lloyds :** WON ** UNCONDITIONALLY

[berty bassett]

splendid jm

[kennyparkroad]

i feel left out with all the claims i have NON of them are banks! lol

guess i should feel lucky

[indebtstudent]

Best thread EVER!

[Janet-M]

You know since I have had these charges back they have NEVER given me another one . I have a few times had standing orders etc and not had enough funds and not once have they paid them and made me overdrawn .I just looked this morning and again something hasn't been paid as not enough funds .They don't write or anything , they just don't pay it .

Shows they can NOT pay if it suits them

[melvin2008]

Lloyd of London is a british insurance market. It serves as a meeting place where multiple financial backers or members.

[JonCris]

& your point is melvin????

[JonCris]

Almost forgot........... & the name is derived from the time it was a coffee shop & is why the doormen are known as waiters

[Janet-M]

errrrrrrrrrrr ..I'm lost ???

[mammalisa]

I have just read this thread and it made me laugh my head off.

oh how I wish I had started to claim my charges in the good old days of 2006 rather than after their test case started.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.