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.
i'm just loving this forum, had to keep reading all day as was convinced there must be a catch, but i now thoroughly understand it and cant flippin wait to get all my money back!! (approx £1500 just in last 15 months) anyway has anyone actually received their money back off L TSB? been reading for hours, haven't seen a post saying bank has given money back?it looks like Lloyds TSB are tough, but its great as i now know exactly how they will respond, so i'm not gonna be phased...oh i can't wait...still working out all the charges, every month this year i have spoken to my local branch asking if they can help me with charges as its their charges they make me go over my overdraft in the first place, and they've refused to help. i will sleep very very well tonight, thankyou for all your helpful info
Re: anybody actually got money back off Lloyds TSB
its ok, have had more time to keep reading back, i see now that folk have had results, anyway, just did a very quick tot up of charges this year and they total (from jan 06) £424.00!! thats just this year, last year was horrendeous too!!
Re: anybody actually got money back off Lloyds TSB
Hiya
Answer is definately yes.
Read all the Frequently Asked Questions ( FAQ's )
Take a week to read through all the various threads , even if you are Halifax as opposed to Abbey Nat. etc ( sometimes threads cross over and all info is useful ) from a legal point of view.
Dont Blink:
Sometimes the letters from the bank are :
1. Obnoxious Rude and Dismissive
2. Seem like a final stance
The letters from the Solicitors are worse:
1. Legally obscure
2. Arcane
3. ( To be quite frank absolute C**p )
The point is; stick to your guns dont blink.
My case went through normal procedures DPA, lba , I issued Court Docs, right at the last minute they acknowledged, two days before auto judgement they entered a defence, the Court Allocation Questionaire arrived, before I sent that off they blinked and paid in full ( no account closure ).
OFT Statement helped a great deal, look specifically at OFT denying that charges are "Core Terms" of your contract. If in doubt personal E Mail me and I will explain in detail, meanwhile issue court docs after due warning and go for it.
all ideas and information exchanged willingly, bounce the ideas around,it helps everyone at the end of the day, good luck to you all and God Bless...LoL Graham & Yvonne
Re: anybody actually got money back off Lloyds TSB
Originally Posted by marciag
its ok, have had more time to keep reading back, i see now that folk have had results, anyway, just did a very quick tot up of charges this year and they total (from jan 06) £424.00!! thats just this year, last year was horrendeous too!!
Further to my last it was £2915 in my case and they still blinked!
all ideas and information exchanged willingly, bounce the ideas around,it helps everyone at the end of the day, good luck to you all and God Bless...LoL Graham & Yvonne
Re: anybody actually got money back off Lloyds TSB
wow, thanks for the info, after such a busy day, and reading all this info on this forum i was dizzy! still cant believe that i'm gonna get my money back. where do i find OFT doc that you described?
i'm still shocked about all this, you see a couple o weeks ago it hit the press that some guy got his money back from the bank, i thought it was a one off, but still i tracked down the story online and printed out to show my partner, but it didn't give enough detail to think anyone can do it!
and today... ha i'm over my overdraft again (thanks to the bank taking heaps of charges off)...but i'm not gonna lose anymore sleep over it as i'll get it all back.
quick question, we've only been with Lloyds TSB for about 2 years and i think most of statements on line so we can work it out ourselves, or should we just get DPA?
thanks for your help, believe me, i'll def be in touch! ta
yes! i've done it, posted my first letter todat to tsb! only found this site on fri afternoon! thankyou to everyone already cos if there wasn't this forum i'd be none the wiser and none the richer! all the posts are very imformative and at least i now know what to expect...a letter telling me tough no doubt! well, i'm in fighting spirit.and the best thing is, i'm so not worried! i'm sick to death of being terrified by letters from the bank, worrying constantly about keeping things in order only for them to make me go over my overdraft with their outragous charges!i live in very small place where everyone knows everyone, i know all the staff at the bank, and cant wait to see their reactions over the next couple of weeks, i'm 99% sure that the branch manager will try and accost me if i nip in, "for a chat" well after reading other posts, i will not enter into any verbal discussions.aaaah, what a great day, i'll keep you posted.good luck everyone
The wonderful thing about this site is the sense of relief and empowerment which it gives you!
For many years, I used to dread the bad news the Postman would bring each day.
Now, I positively look forward to the post, to see what pathetic stalling attempts the banks will try next. Talk about the boot being on the other foot!
We all owe an enormous debt of gratitude to Dave, Bankfodder, Stephen and all the Moderators for the amount of work they continue to put in to make this site a force to be reckoned with, in the face of the Banks' continuing apathy towards the Law and the rights of their own customers.
had reply today from david just (14th april)letter as expected, so sorry, keep account in order blah blah, we could take your cards chq book etc off you etc etc, so glad for this site as it was so predicted, anyway already printed off my lba and will be posted asap (half hour). my partner is so impressed he's gonna take action agains Halifax, so i'll send him to that section!
received letter today from 'david just' again, basically;
unfortunately he is unable to add anything other than info in first letter that he sent to us, blah blah, refer back to terms and conditions, etc etc, goes on to say that this letter is the banks final response and if i want to take it further i'm to complain to the F.O.S.
so, i'm gonna be busy later filling in my claim! will post when i've completed claim.
Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
anybody actually got money back off Lloyds TSB
TSB are tough, but its great as i now know exactly how they will respond, so i'm not gonna be phased...oh i can't wait...still working out all the charges, every month this year i have spoken to my local branch asking if they can help me with charges as its their charges they make me go over my overdraft
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Originally Posted by marciag
