Lloyds TSB - Page 4

rory32 · 10th October 2007, 00:04

I assume you mean a basic bank account where no overdraft is provided. So rather than put "because the specific overdraft had been exceeded", I would put because insufficient funds were in the account and the account did not carry an overdraft facility.

cp1949 · 12th October 2007, 18:33

I have redone my bank charges spreadsheet due to more charges been taken out since I wrote to them, I sent a letter before action, do I send another letter along with the new spreadsheet and a request for payment or just the spreadsheet.

Bigmac versus · 12th October 2007, 18:39

Would need a new LBA due to the different amounts, remember and tell them that this schedule of charges superceedes any previous ones sent.

cp1949 · 12th October 2007, 21:34

have done that on the request for payment, many thanks for your help. Will keep you informed of the outcome

Bigmac versus · 12th October 2007, 21:40

That will do for me.

cp1949 · 13th October 2007, 16:37

Sorry to bother you again I need advise on where to send my letter requesting payment back. I originally sent my letter to Lloyds TSB in Glasgow, the letter I received from TSB was from LLoyds TSB in Andover, but on one of the sites it gives the address as Birmingham.

Bigmac versus · 13th October 2007, 19:00

http://www.consumeractiongroup.co.uk...t-details.html

cp1949 · 14th October 2007, 00:04

Many thanks everyone for bank addresses

Bigmac versus · 14th October 2007, 18:18

Your welcome anything else just shout.

cp1949 · 29th October 2007, 16:58

HI can you tell me if the 14days from date of letter includes the weekend or is it working days as my bank has not replied to my first letter for request for payment.

Bigmac versus · 29th October 2007, 22:55

It includes weekends, no reply send the LBA to them.

cp1949 · 4th February 2008, 18:49

Hi I have to send an action before letter to LLoyds TSB and wondered if I have to complain to OFT as said on the bottom of the letter before action.

Could you please advise and let me know and if so where do I write to and complain and is there any templates for doing so.

maroondevo52 · 4th February 2008, 20:45

Hi, cp1949.

Is it a Bank Charges claim?
Have the Bank responded to your LBA ?
Could you fill us in with a little more detail about your claim.

Regards.

Scott.

cp1949 · 4th February 2008, 23:40

The charges are for direct debits returned and unauthorised bank overdraft. I sent a letter of request which I have not had a reply to and I will be sending the Letter Before Action tomorrow, but the last paragraph in the letter before action template has a bit about submitting a Consumer Credit Act 1974 complaint to the OFT. I did have a thread regarding this but I have had to resubmit a request letter superceding any prior correspondece but I could not get back into the thread to send another post.

rory32 · 4th February 2008, 23:45

Quote:

but the last paragraph in the letter before action template has a bit about submitting a Consumer Credit Act 1974 complaint to the OFT.

You only add that if it's relevant.

rory32 · 5th February 2008, 00:07

6 threads merged - please keep to one thread per topic, thanks.

cp1949 · 20th February 2008, 15:58

Hi I cannot find a link back to my threads, so not sure if I am doing this, I am at the 3rd stage where you have to fill in forms 1A and 1B and not sure which one I have to send first is it 1A or 1B

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