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I have jumped the "asking for statements" part due to the fact my online statements go back to 2002 and Lloyds only started shafting me in 2006. A four month stint in Afgahanistan and a small hiccup cost me around £1300 in charges. So, I plan to retrieve my money and the interest they have earned using my money.
I have prepared my request for repayment charges although I'm having trouble calculating my interest on penalties, using the complex spreadsheet. Would love help on this !.
I do have niggling fear of doing this, only because I feel it was always my fault that I went in the red. But then one small mistake ended up costing me alot, due to huge charges.....
I have jumped the "asking for statements" part due to the fact my online statements go back to 2002 and Lloyds only started shafting me in 2006. A four month stint in Afgahanistan and a small hiccup cost me around £1300 in charges. So, I plan to retrieve my money and the interest they have earned using my money.
I have prepared my request for repayment charges although I'm having trouble calculating my interest on penalties, using the complex spreadsheet. Would love help on this !.
I do have niggling fear of doing this, only because I feel it was always my fault that I went in the red. But then one small mistake ended up costing me alot, due to huge charges.....
Oooo I don't know !!!
The fact that the charges may have been your fault is irrelevent
Exactly what trouble are you having with the spreadsheet?
Still waiting for response to Prelim letter, feeling fairly confident after trawling through the forums.
One thing does concern me though. If Lloyds decide to ring me, what on earth do I say ? Obviously I don't want to come across as a bumbling idiot (nothing new) !!
Not getting anywhere with TSB!! Had the so sorry letter and then 2 weeks later received another letter saying so sorry again that you are not happy but!!..........you are not getting nout! Not in so many words like, but basically that's what it meant....so looks like its a court application, this is where I'm stuck.....any advice out there?
Cheers.....Have been reading for hours on the net, started the application online and was then told via a friend of a friend who has WON his case and actually got more than he asked for in the end (on the day he was suppose to go to court!) any way he said it was best to go to your local court offices to make the application as he had to pay £120 court costs and then another £100 to transfer his case to a local court.....so looks like I'll be busy on monday!!!! hey if it kills me I'm going all the way...looks like you have to with TSB!
he said it was best to go to your local court offices to make the application as he had to pay £120 court costs and then another £100 to transfer his case to a local court.....so looks like I'll be busy on monday!!!! hey if it kills me I'm going all the way...looks like you have to with TSB!
You do have to make a payment whether online or in your local office if you are not in receipt of certain benefits. As for the £100 transferring to local court, that is incorrect. There is no fee for transferring to a local court, it is done automatically.
It may be that his claim was over £1500 and he had to complete an allocation questionnaire at the defence stage. That costs £100.
Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.
** Nationwide - £1821.15-PAID IN FULL - Aug 06 ** ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 ** Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....
yes to doing the next letter and waiting another 14 days. My advice is to just accept it is a long play game. Follow the timetable set out here and try not to think about the 'fault' issue - it is an english attribute. In any event I am sure you do not mind paying a certain charge if it is reasonable, none of us would - you are merely fighting what is an unreasonable/unlawful charge - and it will be much safer than what you have been fighting.
Keep going, you will get there and then the beers will be on you
Just a couple of questions for anyone listening - The reply TSB gave me was from an Andover address. Would it be advisable for me to use that address to send letters to ? Also would I need to state the complaint reference on all correspondance from now on ?
I'm sort of preparing for a court appearance As I live in Scotland right now I'm using my parents address as a place for any court papers to go. This is the correct way to do it i assume ? Also can I choose the county court nearest to them ?
I'm sort of preparing for a court appearance As I live in Scotland right now I'm using my parents address as a place for any court papers to go. This is the correct way to do it i assume ? Also can I choose the county court nearest to them ?
lba has been delivered Can't imagine much been done this weekend but thats their problem not mine hehe. My lovely Mum agreed to let me use her address for all court correspondance and found a Court in Bristol area so all prepared for that bit. I've also prepared the forms for the next stage, because ltsb are gonna go all the way i suspect.
Still waiting for a response to the lba, but ltsb sent me a nice letter requesting £90 in charges for last month. I nearly made it through the month bar the last 3 days !!!! = £30 a day !!
I've looked through some posts for an answer to this question, but, to no avail so here goes.
nanaman v Lloyds TSB
only started shafting me in 2006. A four month stint in Afgahanistan and a small hiccup cost me around £1300 in charges. So, I plan to retrieve my money and the interest
Would love help on this !.
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Originally Posted by nanaman
Re: nanaman v Lloyds TSB
