Thread: help with bank charges needed please

I have sent off my 1st letter & received the test case letter off bank, whats next for me? Also my charges are over £5000 and i cant afford to go to any other court than a small claims court but this has to be below the £5000, what should i do, help needed urgently.

i'm with loyds its a classic account and i've gone back over last 6 years

Originally Posted by senferlaka

Hi Lloyds and its 6 years have gone back, its a classic account

Furthermore you can go back further under the fsa waiver which is to 27th July 2001 so you might have missed a few charges

All this is just confuing me more. I just want to know if i can now ask the bank for just under £5000 so i can then take it to small claims, or can't i change my original amount.
Also what letter do i send next, dont fancy taking the hardship way, my husband is self employed and working but not much compared to what he had had in past.
I have phoned bank to ask to waiver the charges being incurred cos of us not earning as much but they said to cancel my direct debits so i dont get charged for the charges.
Well i still have to pay the bills even so, what should i do?

Originally Posted by senferlaka

All this is just confuing me more. I just want to know if i can now ask the bank for just under £5000 so i can then take it to small claims, or can't i change my original amount.
Also what letter do i send next, dont fancy taking the hardship way, my husband is self employed and working but not much compared to what he had had in past.
I have phoned bank to ask to waiver the charges being incurred cos of us not earning as much but they said to cancel my direct debits so i dont get charged for the charges.
Well i still have to pay the bills even so, what should i do?

Small claims court maximum is more than £5000.00 but the reason it is sometimes advised to claim up to that value at court is about costs being awarded against you. In all likelihood your case will be stayed pending the conclusion of the OFT test case issues.

Thank you for the information, what do you think i should do next step, what should i put in my next letter? Sorry to keep asking but i'm totally new to this and its quite frightening for me

I have wrote and asked for info on the 2nd letter i should send. Also it is more than the £5000 over the last 6 years, which means i could end up paying Lloyds court charges if i lose. Could i reduce the amount i asked for to bring it below £5000.
Can anyone tell me what to do next, just had letter form lloyds saying that they will do nothing as until the test case is heard and they are not at fault anyway. Because my charges are so high i reckon they will go all the way with taking me to court and already i wish i had never started this. Shall i just give in cos i feel terrified by it all. Aint got a clue of my rights.

thank you maroon for yr info, but just read on another helpful site that once i get letter from bank to say they received my complaint and its on standby because waiting for the ruling, i should leave it and do nohing until the decision is made, is that right?
Plus about the lba letter which you say i need to send next, (when i click on it, it says i have to buy the kit for £10.99, is that right?Can't find a template)

i've now gone into financial hardship, and sent letter to Lloyds to ask them to look at my case now rather than later, but to be honest i'm not expecting it to be easy, will let you know outcome when i get one

Originally Posted by senferlaka

i've now gone into financial hardship, and sent letter to Lloyds to ask them to look at my case now rather than later, but to be honest i'm not expecting it to be easy, will let you know outcome when i get one

Keep us updated and shout if you need a hand.

Received letter back saying 'they are sorry if i have cause for complaint and will look at my case to see if there is anyway they can help me.' I know its probably a way to prolong them helping and i am expecting nothing back. I have heard Lloyds are the worst to help, so i am moving my direct debits to another bank.
Why don't they just own up and payout, sorted!

Originally Posted by senferlaka

Received letter back saying 'they are sorry if i have cause for complaint and will look at my case to see if there is anyway they can help me.' I know its probably a way to prolong them helping and i am expecting nothing back. I have heard Lloyds are the worst to help, so i am moving my direct debits to another bank.
Why don't they just own up and payout, sorted!

Hi Senferlaka,

Re: your quote above - probably because they are the biggest bunch of ****holes going!

We asked them to consider our case for refund of charges on the grounds of hardship and they chose not to, instead trying to get us to pay a reduced amount each month to reduce our overdraft (which is about half the size of the charges claim).

They refused to admit we were in financial difficulties, yet they have now sent me a letter stating their intention to move both our joint account and my loan account to Consumer Debt Recovery - which they say has been specifically set up to help customers with long term financial difficulties. If that's not an admission of our problem by them, I don't know what is

Good luck with your case - with Lloyds you're definitely going to need it!

Regards,

Landy x

hi landy
Yes, they v already started to reduce overdraft by decreasing it £50 a month. They think they are doing me a favour. So i guess the next stage is what they v done with you, true, they are the greatest ****holes on this earth