Number6 -vs- Lloyds TSB **WON**

**Number6** · 13th June 2006 10:57

Right.

Hi everyone and here we go!

I sent the opening letter to LTSB on 6th June requesting repayment of £2671.64 in fees and charges.

I received my "standard" reply from David Just today (13th june).

It's the usual standard letter I think but here are three salient paragraphs:

"You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits and within the terms and conditions.

You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account in excess of the amount agreed without charges being made.

Accordingly I am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively you may wish to consider alternative banking arrangements."

I take it there's nothing new there and I should wait for the requisite 14 days before sending the next letter? Or should I do anything else?

I already have "parachute icon

" accounts set up with other banks just in case.

I feel nervous but excited about this now.

Pete

Similar Threads:

**adamski** · 13th June 2006 23:51

Sounds like you have it all under control, i would wait 14 days from what i have read here, the judge looks more favourably to you if you do, or you could just send the lba icon

of now, they have said it is their final responce after all, its really is upto you, good luck!!!!!!!!!

**gordonhall** · 14th June 2006 00:53

Wait the full period of time. You need to give them a full 28 day period, with the lba icon

sent at the 14th day.

**Number6** · 14th June 2006 08:15

Thanks for the encouraging replies.

I'm looking forward to what will be the first of many claims.

How amazing is this site and the work its mods do! 5% of each successful claim will be on its way here.

Pete

**Number6** · 20th June 2006 10:05

Right, the 14 days has expired today and nothing further has been received. It's time for the lba icon

!

I will write it today and post it this afternoon.

Pete

**reload** · 20th June 2006 10:32

Good man

**mario** · 20th June 2006 12:25

Blimey reload you seem to be everywhere,what energy!!!!

**closey** · 20th June 2006 12:36

I've noticed that - firing on all cylinders eh!?

**reload** · 20th June 2006 13:00

I get around

**Number6** · 21st June 2006 20:08

lba

sent today, 21st June.

The clock is ticking!

Pete

**Number6** · 29th June 2006 11:11

Satndard response to my lba icon

received today dated 28th June and signed by Jamie O'Neill, Accounts manager at the Customer care Recovery Centre.

Usual things..... sorry you're not happy........ little I can add to our previous letter...... this is the banks final response..... speak to Financial Ombudsman icon

if not happy, etc.

Six days to go before I can start Court Proceedings!!

..... or should I start proceedings immediately as they have now made a 'final response'??

Pete

**closey** · 29th June 2006 11:22

It's your choice really. I personally would start right now as they have made their views clear and will not budge. Others would advise you to wait.

**Number6** · 29th June 2006 11:27

Decisions, decisions!!!

I'm inclined to wait for the full 14 days if only to show that I've kept to my side of the deal....... but I'm not sure.

Pete

**Number6** · 29th June 2006 11:28

Actually, I think I will wait for the 14 days.

There may well be some more bank charges that I can add onto the claim by then

Pete

**closey** · 29th June 2006 11:36

It's not long to wait. It also gives you a little bit of extra time to read up and strengthen your case incase it does go to court.

Best of luck.

**Number6** · 3rd August 2006 12:53

Sorry for the lack of posting.

A series of serious domestic and family crises cropped up that took priority. All sorted now (until the next one!

)

The upshot of it all is that I have not yet started a claim against ltsb icon

.

Because of the delay do I need to start the whole process off again or can I simply press on and issue a case in the Small Claims Court?

Pete

**Number6** · 3rd August 2006 13:01

Sorry for the lack of posting.

A series of serious domestic and family crises cropped up that took priority. All sorted now (until the next one!

)

The upshot of it all is that I have not yet started a claim against ltsb icon

.

Because of the delay do I need to start the whole process off again or can I simply press on and issue a case in the Small Claims Court?

Pete

**closey** · 3rd August 2006 13:19

No, you don't need to start the process again. Just issue your claim. If your case did end up in court you could state that you provided them with extra time and would be deemed as more resonable!

I hope all is well in your family.

**Number6** · 3rd August 2006 14:08

Many thanks for the quick reply.

The claim will go in tomorrow.

Thanks again, and sorry for the double posting earlier.

Pete

**Number6** · 4th August 2006 21:14

Probably a silly question but.....

I've just completed my "Moneyclaim" claim and submitted it online. There appears to be no mention of what to do about paying the fee to actually issue the thing. The case is saved in my list of claims with the "Claim" column saying "Continue"; if I click continue it simply takes me back to my claim, if I trhen click "Submit" the page simply says "Done" and I go around in circles.

Help... what do I do now?

Thanks in advance.

Pete

Thread: Number6 -vs- Lloyds TSB WON

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