HD (budget) v LlTSB : ** WON **

[HD]

After getting my DPDR information through, eventually, from Lloyds I am now in a position to start a claim for my other a/c.

Thought I'd start a new thread to keep the details seperate.

Prelim letter sent 1/5/06 £2,631.00 in unlawful charges.

If there are any mods about can they look in my other thread (HD v Lloyds) and answer the query there?

[HD]

No Aknowledgement of preliminary letter for budget a/c delivered by hand to branch on 2/5/06.

Sending LBA and adding paragraph.

"I am disapointed that you have not even aknowledged my original letter that was delivered by hand to the reception desk at the branch on the 2nd May. I am giving you a further 14 days to commence a dialogue to resolve this matter. If I have not received a satisfactory response in that time I will have to commence legal action to recover these unlawful charges. As my fiduciary I would expected you to have responded to my communication promptly."

Any comments or suggestions?

[HD]

LBA sent

[bram stoker]

And the saga continues, down the usual tracks.

Good luck HD.

[HD]

Strange development.

Just got a letter from our friends @ Martineau Johnson-

Thank you for your two letters addressed to your local branch and dated 1 May 2006 and 18 May 2006.

Please note that any queries or complaints relating to a Lloyds TSB Bank account should be directed to the Bank's Customer Care Department in the first instance. The Customer Care team are in a position to forward queries and complaints to the correct department and the appropriate team will then respond to you in due course

The reason that we first joined Lloyds as it then was in the first place was that they offered personal service from your local branch!!

Two questions

1. I am presuming that sending my PL and LBA to my local branch was an invitation to them to settle this amicably without recourse to the courts, would this be viewed as such by the courts?
2. Can I still fill in the Moneyclaim with my local branch named as the defendants?

Having binned my voice your concerns leaflet I cannot confirm this, but I think that that actually states that you should raise your initial concerns with your branch. Has anyone got a copy to check?

I feel a snotty letter to MJ coming on but I want to check my facts first!

[HD]

Proposed letter to MJ; I'd be grateful for any comments

Dear Sir

Thank you for your letter (your ref: XXXXXXXXXXX) which I must admit perplexed me. I would be grateful if you could clarify some points for me.

You state that any queries or complaints should be addressed to the Customer Care Department. In the leaflet "How to voice your concerns", which was sent to me by one of the Customer Service Advisors from Lloyds when responding to a previous complaint, it quite clearly states that the first step should be to contact your "regular Lloyds TSB relationship manager". It goes on to state that you should only go on to contact the Customer Care Team if you feel that the complaint has not been satisfactorily resolved. Please could you clarify whether this leaflet is the correct procedure or whether your letter outlines the correct procedure; I don't see how they can both be correct.

You then go on to explain that the reason for contacting The Customer Care Team is that they "are in a position to forward queries and complaints to the correct department". Am I to Infer from this that my local branch is not in a position to? If this is the case I find it extremely worrying that I had entrusted them to act as my fiduciary.

If my local branch has not taken the correct action in response to my letter I can appreciate that it might have given you insufficient time to engage in meaningful negotiations on this matter. If you wish to engage in such negotiations please contact me and I will extend the deadline for legal action. I have no wish to waste the court's time or public money. If, however, you merely plan to send me a standard letter I see no reason to extend the deadline stated in my Letter Before Action.

I trust that will you wish to engage in a meaningful dialogue and save everyone's time and money.

Yours sincerely,

HD

I'm planning on e-mailing this tonight, so any suggestions would be apreciated.

[BankFodder]

I'm afraid that I don't think your letter will make a blind bit of difference.

I think sending your letter to the solicitors simply means that you have been distracted by their letter. If I were you I would just get on with it. Don't waste time.

I am a bit surprised that you have received this letter From Martineau. I had imagined that they were a fairly independent firm of solicitors. I now see that they are simply another administrative department of Lloyds.

Just get on with it; have the claim served on your local branch.

[HD]

I have received a letter from ************* This morning .

According to the letter I am not meant to discuss the contents of the letter, but it's the same as many others. My accounts will be looking £6k healthier and there is a BAG donation on its way .

Thanks to everyone for all their support-I couldn't have done it without you all.

I will keep coming on to the forums to see if I can help others. When I think of the anguish that the Black Donkey put us through anything I can do to help others who have been under their cosh will be done.

Thanks again to everyone and a special thanks to BF, Dave and assorted mods.

Over the moon at the moment. We're having a barbie this afternoon; I might make a poster informing everyone that it is sponsored by Lloyds

[bram stoker]

Congratulations HD.

[HD]

Settled in full

[Janet-M]

congratulations

can you please fill in out survey

[moltonbrownqueen]

congratulations HD.