Lloyds TSB - Page 2

nicsussex · 10th July 2007, 23:56

Can we just clarify what stage of your claim your are at I think some of the information that you are being given is confusing you. From what I gather you are at the stage of sending your first letter is that correct?

cp1949 · 10th July 2007, 23:59

Hi I am at the first stage of writing to the bank, I have all my bank statements since I joined this bank. I have used the first letter which I copied and pasted from the list of letters, I have also filled in the easy scotland spreadsheet. Have I used the right forms for my first letter as my neice showed me the ones she used for her bank.

nicsussex · 11th July 2007, 00:03

In that case just submit your schedule of charges - don't worry at all about ANY interest at this stage - the O/D interest on a claim of £345 will not be worth the trouble anyway.

cp1949 · 11th July 2007, 02:10

Thanks for the reply will post tomorrow and see what develops, I am hoping the bank wont be awkward and close my account.

cp1949 · 12th July 2007, 18:46

HI can you tell me do I still need to send the £10 payment as I have all my statements.

nicsussex · 12th July 2007, 18:51

If you already have all your statements - can I ask which letter it is that you are sending?

cp1949 · 12th July 2007, 19:00

Premilinary letter plus spreadsheet

nicsussex · 12th July 2007, 19:04

Quote:

Originally Posted by cp1949

Premilinary letter plus spreadsheet

For which there is no fee!

cp1949 · 30th August 2007, 14:08

I sent my first letter to LLoyds TSB and got a reply saying that they have asked the FSA to suspend the normal timetable for dealing with bank charges complaints with relate to unauthorised overdraft fees. They are saying that the £35.00 charges for returned direct debits is a fair charge for a banking service.Can you advise me what I should do next. They are waiting till the outcome of the court case before they do any further dealings.

cp1949 · 30th August 2007, 14:37

I sent off my first letter and received a reply back from LLoyds saying that their bank charges are a fair bank charge, which incidently is £35.00 for a returned Direct Debit. They are saying that they have asked the FSA to suspend the normal timetable for dealing with bank charges complaints. What do I do next.

maggiejtbg · 30th August 2007, 14:52

Hi

I feel that if you read through the threads we are advised to carry on as normal. DONT GIVE UP!!!!!!

cp1949 · 30th August 2007, 15:08

Ok should I just send the 2nd letter.

maggiejtbg · 30th August 2007, 15:12

Yes!!!!

Continue With The Timescale And Send Letters Accordingly

You Have Nothing To Lose!!!!

cp1949 · 30th August 2007, 15:20

Is the next letter I send a letter before action.

cp1949 · 30th August 2007, 17:01

Can you please let me know if I send letter 2 or letter 3 which is letter before action.

PeterAnderson · 30th August 2007, 19:24

That's all standard stuff - the advice here is to proceed as normal; if a stay is granted there is some good stuff here have it set aside
AQs - Stays & Strike out request

And

http://www.consumeractiongroup.co.uk...rum-stays.html

If these fail at least you will be near the top of the pile when the OFT wins the case

maggiejtbg · 30th August 2007, 20:38

Does letter one ask for your statements? if you have recieved them proceed to letter 2 if you have no reply within 14 days then send letter 3

cp1949 · 30th August 2007, 23:47

I had my bank statements so used letter 1/2 which was a request for repayment of charges and sent a spread sheet showing the amounts.

nicsussex · 31st August 2007, 01:28

This thread is getting too confusing refering to letters by their numbers - but sounds to me like time for Letter Before Action - you may want to have a look in the scottish forum as well

cp1949 · 31st August 2007, 02:51

Can you please give me a link to the scottish forum as I have looked and cannont find it, maybe I am looking in the wrong place.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.