Lloyds TSB

cp1949 · 10th July 2007, 16:02

Hi I am new to this and I am finding it very hard to understand the site and consumer forms. I have printed off the forms to read but I am still unsure of what I should be doing next. Any help navigating the site and how to do things would be appreciated.

Red Rebel · 10th July 2007, 16:09

I think everyone struggles at first but as you gain experience like all things it gets easier. What stage are you at with your claim.

cp1949 · 10th July 2007, 16:18

I have my bank statements from LLoyds TSB since I joined them 2 years ago. I have gone through and highlighted the charges which only amount to £345.00.

McIavelli · 10th July 2007, 16:32

Hi Cp1949 & welcome th Lloyds forum,
So you're "only" claiming £345.00. Compared to some on this site, true, that isn't a big claim, BUT I'm sure it's better in your pocket (or should that be sporran

) than theirs.

Just click here..I'm sure you'll find this thread useful:
http://www.consumeractiongroup.co.uk...tml#post187455

You might want to read through this thread too: http://www.consumeractiongroup.co.uk/forum/scotland/

You'll find everyone in here friendly & VERY helpful.

Best Wishes & Good luck with your claim.

McIavelli (I'm not that devious really)
PS If I've been helpful please give me scales a wee click

Red Rebel · 10th July 2007, 16:32

You need to input all the information into a spreadsheet (schedule of charges) and send that along with a preliminary letter found here.

6. Interest calculation spreadsheets

and

2. Letter - Preliminary approach for repayment.

cp1949 · 10th July 2007, 16:42

Thanks for information this is just the start I have other claims I wish to persue but will wait and see if I win this small amount back first.

Quote:

Originally Posted by McIavelli

Hi Cp1949 & welcome th Lloyds forum,
So you're "only" claiming £345.00. Compared to some on this site, true, that isn't a big claim, BUT I'm sure it's better in your pocket (or should that be sporran

) than theirs.

Just click here..I'm sure you'll find this thread useful:
http://www.consumeractiongroup.co.uk...tml#post187455

You might want to read through this thread too: http://www.consumeractiongroup.co.uk/forum/scotland/

You'll find everyone in here friendly & VERY helpful.

Best Wishes & Good luck with your claim.

McIavelli (I'm not that devious really)
PS If I've been helpful please give me scales a wee click

christinajanep · 10th July 2007, 16:49

it does get a little easier as you get along, the first one is always a little scary but then yuou become a pro lol

nicsussex · 10th July 2007, 17:50

Quote:

Originally Posted by cp1949

Thanks for information this is just the start I have other claims I wish to persue but will wait and see if I win this small amount back first.

Once you have won against Lloyds all the other institutions will seem like a walk in the park.

cp1949 · 10th July 2007, 18:34

I have typed out the preliminary letter and the spreadsheet with dates of charges etc. hope I have done it right as it works out to more than I thought. Is there any way I can get you to check it out to see if I have done it right as I find it hard to believe that you can claim back the amount of the unpaid direct debits plus the interest calculated.

nicsussex · 10th July 2007, 18:37

It is not the amount of the DD it is the charge for not paying it!

cp1949 · 10th July 2007, 18:53

OK Thanks that is where I was confused, have now printed out the spreadsheet with just the charges and interest and have attached it to letter, will post it tomorrow and see what happens.

Red Rebel · 10th July 2007, 19:26

Dont add the 8% interest at this stage, this is done when you start court proceedings.

McIavelli · 10th July 2007, 19:26

Is this your first letter to your bank (prelim letter)? If so do not add interest at this stage. Interest goes on when you submit your N1 claim to your local court.

I'm not sure of procedures north of the border, so you may wish to check out the links on my post (#4) above before you send off your letter.

cp1949 · 10th July 2007, 19:30

I have used the spreadsheet from this site, only the interest on the left hand column has been added no other interest.

Red Rebel · 10th July 2007, 19:35

If you have used the sheet named "interest and charges" thats fine

McIavelli · 10th July 2007, 19:37

you need to remove all entries from the interest column until you submit your claim to court.

cp1949 · 10th July 2007, 19:43

For the premliminary letter I have used the Scotland simple interest and calculation spread sheet, is this the correct spread sheet to use.

Red Rebel · 10th July 2007, 20:10

I only have experience of the advanced spreadsheet which appears to be the same used in England and Scotland have a look and see what you think. Fill out Charges and Interest sheet firstly. Then when its time, use the 8% sheet for court.

Red Rebel · 10th July 2007, 20:14

Imformation on spreadsheet download page states:

Simple versions will calculate the 8% APR only, to be used when filing court claim. Advanced spreadsheets will also help you to calculate the overdraft interest you have been charged by your bank, which you can request at the preliminary stage.

So advanced spreadsheet it is

cp1949 · 10th July 2007, 23:45

I have looked at the advanced spread sheet and do not understand a word of it, its very confusing. I have filled up the easy one as its easier to understand. I have not added any judical interest, the interest added is what is automatic in the easier spreadsheet, therefore I am extremely confused as to what to do next.

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