Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    selenalondon Novitiate

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    Default Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Please help...
    I recieved a letter from Lloydsicon sayint that they are going to charge me for 20£ unplanned overdrafticon. They said: £15 monthy fee and every day £6 ( 4 days).
    I wrote them a letter saying that this is not fair (templates letter).
    Today I got a reply saing that they are not going to cancel fees and when I opened current account with them i signed terms and conditionsicon...
    Please advise how what to do now...
    I am lost!
    regards, Elena



  2. #2
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Start reclaiming the fees - don't let them get away with this.

    The Consumer Forums - Bank charges templates (consumer)



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  3. #3
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Thanks very much.
    I do not know what to write them next! As they reply to me with "NO".
    Because I agreed terms and conditionsicon ....

    Which letter do I have to write them next?
    Please advise.


  4. #4
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Hi, I have the same problem, they always give me unplanned overdrafticon facility which I have never asked for and then charge me for 3-4 days equivalent to 60-100pounds and it always happen on a Friday....Can I use the template as well?


  5. #5
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    yes, sure you have to use template!


  6. #6
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Great. Thanks. Have you done it already?


  7. #7
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    yes, I have done it.
    I recived a reply last week. it was very quick. Good news, no fees for me.


  8. #8
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    wow. That's great...who did you send the letter to?


  9. #9
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Your branch.
    Thanks


  10. #10
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Just to the manager then....not to customer services...


  11. #11
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    I did not write any name on my letter. I just wrote to ... branch and address below.

    Good luck.


  12. #12
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    ok thanks a lot!


  13. #13
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    As expected they have rejected the first claim....so I guess I should fire off the second letter then....


  14. #14
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Guys, is the second letter the 'before action' one..it stars with ..."you have not responded to my letter etc..." but they did they said no until the verdict from their appeal is known....so what do I do?


  15. #15
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Do the second letter definitely


  16. #16
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    and copy it 'as is'. right?


  17. #17
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    Default Re: Lloyds Overdraft Charge,wrote a letter to LTSB, please advise what to do next!

    Yeap.
    Good luck.
    Lloydsicon cancelled for me...
    Barclaysicon is still thinking.)))



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