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.
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Well the bank have jsut confirmed the amount of charges and on 2 accounts they have taken £1,278.00, i have sent a letter requesting the funds to be repaid ( sent by recorded delviery ) but iam sure they will just write confirming the request and will not repay.
Once they have had the letter 14 working days is it correct that we send the letter before action ?
Today the bank have confirmed our issue with regard to the claiming of charges but have now sent the detaisl to another department ????, and they request that we wait / give them time to look into the claim
side a pile of LTSB 'fob-off' letters struggling to get out!
Posts
2,398
Re: TSB Charges reclaim
Hi rippedoff
When I first contacted ltsb I sent the letter to Birmingham and they responded saying they had passed my complaint to Andover who specialise in this type of complaint and would get a response to me within 4 weeks. The first reply I had from Andover apologised that it was taking longer than they had expected to look into the complaint.
This was back in Feb 2009 and have had 22 letters back from them since then - some from departments I have had no contact with whatsoever and including a couple from their in-house solicitors SCuM. Apart from this there have been enforcement notices and letters from a DCA acting on LTSB's behalf.
I admit that I have contacted them again since my initial request for repayment of charges asking to be considered under the hardship waiver, and that I really should have moved on to the fos/Court by now but I have been hoping it would get remedied without having to get to that stage. However, I am now running out of patience and as soon as my 14 days in my lba are up I will be heading to court.
So, in answer to your question - yes send the LBA after 14 days are up - don't prevaricate like I have done!
Do, however, be prepared for LTSB to fob you off with all sorts of excuses rather than sending you a final response - or a positive one for that matter.
Another thing is, despite using reference numbers on their responses, I have received letters with so many different reference numbers that, coupled with the fact their responses are always terribly vague, you don't always know exactly what they are referring to.
File all responses in chronological order, keep the envelopes (I always write the date received on the envelopes too, as often the date received is a whole week after the date on the letter!), send all your letters recorded delivery, stick to your timelines not theirs, don't expect an early resolution and do expect a load of c**p back from LTSB!
Hope you have success and will keep an eye on your progress!
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
Well Lloyds are now taking the P***, today we had our tax credit paid into our account and YES they have taken the charges £70.00, have already sent them lba for the 2 accounts claiming a totalling £2,000.00
One charge of £35.00 was for going overdraw £1.44 for 2 days, madness this has made me even more mad and after the 14 days letter we will issue the next stage
side a pile of LTSB 'fob-off' letters struggling to get out!
Posts
2,398
Re: TSB Charges reclaim
Hi rippedoff
I'm not surprised that Lloyds have done this - we only recently discovered that they had taken several months worth of child tax credit from our account, which we had been getting because of a mix-up when, due to an error, the credits had ceased then restarted again without our knowledge. Unfortunately, because we hadn't realised the child tax credits had again started to be paid, we assumed the account was dormant and LTSB were just able to help themselves to them in the form of charges they applied as our account was over it's limit.
I don't blame you for being mad when they charge so much for such a minor transgression - stick to your guns and issue the next stage as you have stated.
Regards,
Landy x
LTSB PPI on various loans (current/settled) - Refunded inc 8%
MBNA 1 Charges - Refunded inc CI
MBNA 1 PPI - Refunded
MBNA 2 Charges - Refunded inc 8%
MBNA 2 PPI - Refunded
MBNA 2 Accident Ins - Refunded
Swift Advances (settled) Mortgage Charges -Partially refunded
Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%
Sainsburys (settled) Loan PPI - Refunded inc CI +8%
Sainsburys (closed) Card Charges - Refunded inc CI + 8%
M&S Money (closed) Card Charges - Refunded inc CI
M&S Money (closed) Card PPI - Refunded inc 8%
Direct Line (settled) Loan PPI - Refunded inc CI + 8%
Yes everyone is right the bank claiming they have to wait until the hearings are confirmed and feel that people claiming is just wrong haha, so we have just sent off the last letter and getting the court papers ready.
Well Today we had a reply from Lloyds TSB regarding the bank charges claim, we have stated to them that we are having hardship as the charges took money which we could not afford, and since june 2008 i ahve not worked following roken leg / ankle and lost my company and at present unemployed. Theysaid they looked at the claim??? and found that lossing my company was my own fault and the charges they took over the years had no impact.
therefore they would not accept the hardship claim and would only look at the claim when the test caes were confirmed, they also informed me if a took court action they would not accept the claim.
Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
The reply is what is required under the waiver, ie their reasoning for rejecting the hardship part of the claim. If you file at court the case will be stayed.
At present we are paying rent, loans, etc would we are currently getting benefit only as now iam empolyed, if we file the court papers next week what happens next ? also how do work out the daily interest charge ?
cheers
Hardship House repo, lost business following illness, total of £50k debts and unable to repay
At present we are paying rent, loans, etc would we are currently getting benefit only as now iam empolyed, if we file the court papers next week what happens next ? also how do work out the daily interest charge ?
cheers
Hardship House repo, lost business following illness, total of £50k debts and unable to repay
thats hardship
Are there arrears on priority debts? If not then it isn't hardship unfortunately.
There should be something in the CAG tutorials about interest btw.
Well yet another letter from Lloyds but this time they confirm that we fit the critera under the hardship claim, but thats all they then go on referign to the test case and can not confirm until this case / appeal ha been completed.
It just seems the banks keep delaying all the time, so we have just completed the court papers to file, why should we wait for our money back whe the bank can take our funds when ever they like
Well yet another letter from Lloyds but this time they confirm that we fit the critera under the hardship claim, but thats all they then go on referign to the test case and can not confirm until this case / appeal ha been completed.
It just seems the banks keep delaying all the time, so we have just completed the court papers to file, why should we wait for our money back whe the bank can take our funds when ever they like
cheers
Blimey. Wish I owned two properties like you do (at least one of which you rent out) and yet still qualified under the Banks 'Hardship' criteria.
Blimey. Wish I owned two properties like you do (at least one of which you rent out) and yet still qualified under the Banks 'Hardship' criteria.
Funny old world isnt it?
Hi Planner
we wish we did own both houses, we rented our house out as i can not work following an illness and unable to pay the mortgage & loans secured on it and the rent covered the repayments only, we rent another property from my sister for a very small fee as it was left to her and mortgage free. and since my BR the house which is in joint names is now worth £60k less thus trying to keep it longer to avoid a mortgage shortfall in the wifes name.
and the hardship claim was fully confirmed with house income and all out out goings.
we wish we did own both houses, we rented our house out as i can not work following an illness and unable to pay the mortgage & loans secured on it and the rent covered the repayments only, we rent another property from my sister for a very small fee as it was left to her and mortgage free. and since my BR the house which is in joint names is now worth £60k less thus trying to keep it longer to avoid a mortgage shortfall in the wifes name.
and the hardship claim was fully confirmed with house income and all out out goings.
cheers
Think should should update your rental thread then, as you are quite clear that you are paying TWO mortgages.
we wish we did own both houses, we rented our house out as i can not work following an illness and unable to pay the mortgage & loans secured on it and the rent covered the repayments only, we rent another property from my sister for a very small fee as it was left to her and mortgage free. and since my BR the house which is in joint names is now worth £60k less thus trying to keep it longer to avoid a mortgage shortfall in the wifes name.
and the hardship claim was fully confirmed with house income and all out out goings.
cheers
Ask the bank to send out a final response or a financial hardship closure letter which should explain their reasons for not classing you as being in financial hardship.
Once you have that we might be able to do something about that. However under FH rules they do not have to refund any charges whatsoever but can suspend charges and interest or not pursue you for arrears on the account.
TSB Charges reclaim
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letters back from them since then - some from departments I have had no contact with whatsoever and including a couple from their in-house solicitors SCuM. Apart from this there have been enforcement notices and letters from a 
Originally Posted by rippedoff15
