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Caro has advised me to start a new thread on Lloyds Tsb as I am dealing with 2 seperate banks.
Claiming back bank charges for my sons partner, thay have really treated her badly over the years, some months they have taken £250 out in charges, which is more than 2 weeks salary for her, I would like to put her figures in front of Judge Cooke and let him say these are for a service.
Apart from the charges, for the past 6 years she has also been paying for a Select account which was £7.00 per month,which she has never requested.
I am trying to claim them back at the moment, a recent reply from Lloyds said she was transferred to this account in April 2001 when a personal loan was granted (this would be the loan conditional of PPI costing over £700) which i am also hoping to follow up.
I downloaded her statements from July 2002 from the website, however still waiting for other statements, S.A.R - (Subject access request) up on 26th May.
I am now thinking of trying to go back past the 6 years on her charges, as it is probably why she took the loan out in the first place, through the banktaking 50% of her salary in charges on a regular basis.
I would appreciate any information from anyone else who has also been upgraded to the select account, and has tried to claim the fees back.
Going through some internet statements and noticed the charge for UNAUTHORISED overdraft FEE was increased from £20 to £25 in May 2005 and then to £30 in November 2005.
Just wondered if anyone has used this as part of thier Court claim, that they increased the FEE or so called SERVICE charge by 50% in a space of 6 months, surely they cannot justify such a huge increase.
Just an update so far, sent a letter on 12th April requesting all the Select Account Fees taken from the account to be refunded unless they could supply a signed copy of the agreement.
Had a reply 25th April saying:
"The account was upgraded on 30th April 2001 when a bank loan was taken out with them, As it is nearly 6 years ago you can forget what has been agreed and I can assure you the account would not have been upgraded without your permission, it would be difficult to retrieve a copy of the agreement as they are kept in central storage."
Also on 12th April S.A.R - (Subject access request) was sent in a seperate envelope and by recorded delivery list of charges just received but only to Sep 2001, Hand delivered the prelim today dated 26th April 2007 requesting charges back, received a letter this morning from TSB dated 21st May 2007, refusing to refund the charges (not even asked for them yet).
Sounds like the standard letter but it is stating these charges are a charge for a service they are not default charges because you have not broken your agreement.(yes she has).
So what kind of service was given in Jul 03 to justify a service charge of £240.
I think they have presumed the first request for a refund of £395 for the fees on the Select account, was a bank charge refund, obviously they are not even reading what iis being sent to them.
If anyone could advise please if it is better to complain to fos for the £395 Select account fee, I have read somewhere that if the FOS get involved it costs the bank £350, thought they would rather pay the fees back than do this.
I will of course use all the procedures on this site for the charges, as that is over £3000 excluding interest.
No joy on the Select account fee, sent all paperwork to fos regarding this account fee last week as 8 weeks as passed and no refund or satisfactory reply.
lba sent 12th June for bank charges of £3200 it will be interesting to see how FOS respond.
CF1958 v Lloyds Tsb
on Lloyds
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Originally Posted by lazybones
