janeyb v Lloyds - MASSIVE SETTLEMENT !!

Janeyb · 27th April 2006, 00:12

Ok First of all a brilliant site!!!

We Sent our Data Protection Act letter off requesting details for 2 accounts, 40 days to the day our statements arrive from Lloyds TSB. After calculating them all up over 6 years it came to double what we have originally calculated!!! A whopping £7512.00.

On the 21st April 2006 we emailed and sent in the post our Preliminary letter.
On the 26th April 2006 in the morning we recieved a nice friendly email saying our request had been passed to the Complaints Manager.
In the afternoon we recieved an email from DAVID JUST (it seems everyone has heard from him do you think this name is made UP!!!) saying we have conducted our account in a manner that has kept sending us overdrawn and therefore are charged as stated in the T&C' when we opened our account and no we cannot have them back!!!
Thats right a very standard computer generated letter the very one we requested not to recieve!!!
So Today the 26th I have emailed and posted our letter before action and tomorrow go to the court for an N1 form.

Is anyone else claiming a large amount?????
Is anyone else getting standard generated letters
HAS ANYONE HAD ANY SUCCESS AT ALL WITH LLOYDS BLOODY TSB!!!!!!!!

jANEY XXXX
ps wILL KEEP YOU POSTED IF ANYONES INTERESTED!!!

jonni2bad · 27th April 2006, 01:13

YES - they have had success.....

See some HERE in the Litigation section. The trouble is, sometimes, that people get rightly excited by their refunds and forget to update our records, so I'm sure there are many more.

There are pros and cons to the large amount, as I'm sure you have read here, but others have had larger sums refunded.

Keep us posted. You're right on track!

John

Janeyb · 27th April 2006, 23:13

Picked up my N1 Form at the county court and explained to the clerk what I needed it for to query costs for filing.
Whilst she explained to me the costs she also introduced me to a local solicitor by the name of Norman Jones who although is old school is completely for justice and hates wrong doings of any kind.
He told me that he has just written a coloumn for our local newspaper about bank and credit companies charging extortionate fees and has quoted the OFT's new ruling in his writings to warn others about being able to claim back charges.

I mentioned this website and all the support and stories from others posted here. he was extremely interested and is going to view it himself and mention it in his coloumn next week!!!!!!

jonni2bad · 27th April 2006, 23:48

Well done janeyb - good work

Janeyb · 28th April 2006, 15:58

Ok the bank are very quick to answer emails and have now resorted to saying that they still stand on their refusal to refund charges and if I wish to complain further I should write my complaints to the Financial ombudsmen.

So my question if anyone can answer me is ...

a) Do I now refer my request for refund to the Financial ombudsmen (even though my request is to my bank)...is there a standard letter on this site for that?
b) Write my complaint to the F.O but still carry on filing my N1 Form and carry on to court
c) write to my bank telling them the refusal is not acceptable neither should I write to the F.O as my complaint and request is with Lloyds?
or lastly
d) anyone else's suggestion??????

PLEASE HELP SOMEBODY!!!!!

jonni2bad · 28th April 2006, 21:32

You don't need to worry about this response, and you don't need to write to anyone else...

Just proceed to the next stage of your claim for refund.

They will eventually get the message that you are NOT going away!

You are doing fine, honest

Janeyb · 1st May 2006, 13:23

Thanks for that advice.

My next stage is to file the N1 Form which will cost me £250, although I am waiting until the 14 days are up just in case a miracle happens and the bank change their mind!!!
I have informed them again that I will be doing this after the 14 days unless I hear from them with a full refund.

jonni2bad · 1st May 2006, 14:15

At least you are not likely to be without the extra £250 for too long, once that happens.

Good luck

Bean · 4th May 2006, 19:09

Hi Janeyb,

My claim is for £5700 plus any other charges for April 2000 to June 2002 and cumulative effects. Waiting for Data Protection Act reply due by 4 June 2006 so I can arrive at a final figure.

Presumably you are planning to put it into Fast Track with a solicitor if you don't get a positive reply in time?

Also jonni2bad has been a big help to me - you've got excellent support in him and so many others on this site.

Best Wishes,
Bean

Janeyb · 6th May 2006, 21:00

Hi Bean

Thanks for support. I am waiting until the 14 days are up before filing my N1 form at court however I have had an email from Lloyds TSB stating that they still stand on their original refusal to refund our charges and that is their final correspondence on the matter!!!!!

next week I file the N1 form.....just got to find £250 to do so!!

As for a Fast Track solicitor...no I haven't approached that yet not to sure how to go about it either at this moment.

Bean · 9th May 2006, 12:19

Anyone any thoughts / advice on a solicitor for Fast Track?

Bean

Janeyb · 19th May 2006, 21:02

Ok so here goes filled out the N1 Form but sopped when it come to the 8% apr interest. I went through the spreadsheet to help calculate this and entered every individual amount and the date etc it was charged my claim for £7511 has increased to £16522 with the interest that was calculated.........????? is this right or have I totally misunderstood the spreadsheet.......please help??

Janey

P.s should i write another letter to my bank stating I am now filing at court or just leave them with the prem letter and LBA?

jonni2bad · 19th May 2006, 22:32

Quote:

Originally Posted by Janeyb

.. my claim for £7511 has increased to £16522 with the interest that was calculated.........????? is this right or have I totally misunderstood the spreadsheet.......please help??

Janey

P.s should i write another letter to my bank stating I am now filing at court or just leave them with the prem letter and LBA?

1. It doesn't sound right. Try the online calc, and if no better let me know by PM.

2. No need to write a new letter.

Janeyb · 23rd May 2006, 04:37

ok worked out better this time round, god knows what I did.

Anyhow I registered with your buddy system and someone has been in contact so we're helping each other out as much as poss..........just goes to show what a great support network your site is so.........

....... A GREAT BIG THANK YOU VERY MUCH!!!!!!!

jANEY

Bean · 23rd May 2006, 21:13

Sounds like you have it all under control Janeyb, well done,

Best Wishes,
Bean

Janeyb · 31st May 2006, 22:11

EXCELLENT NEWS!!!!

After filing our N1 form for bank charges of £7511 we also added on our form in relation to the charges we were forced to take out a £10K loan to pay off some of our debts which had been defaulted as the bank cancelled our DD's due to bank charges. lUCKILY WE HAD ALL LETTERS AND STATEMENTS TO BACK THIS UP!!1
lloyds TSB did not file a defence!!!
Lloyds TSB have today credited our account by informing us with a phone call!!!!
a WHOPPING !!!!!!! £17,511.48

hURRAY FOR THE LITTLE PEOPLE!!!!

a BIG THANK YOU TO ALL THOSE PEOPLE WITH WORDS OF SUPPORT ADVICE AND COMMENTS IF i CAN DO THE SAME IN RETURN JUST LET ME KNOW!!

barracad · 31st May 2006, 22:13

They paid the £10,000 on top of your claim???

Wow that is amazing!!!!

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