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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
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    • I shall find the link later this evening. It was about couples not living together but being liable for council tax. I was never married or in an official civil partnership. We lived together for 18 months, I then left for 6 months for work but continued to pay my half of the bills and rent.   We then split up I gave up my tenancy she took it all in her name. She then decided to move in with me 5 months later. She then banned me from going back to my house eventually let me back in then called the police. Took over my house and is now only paying the rent not the bills so I will be landed with those to. So over the course of our relationship I have ended up paying her debts for 5 different addresses, personal loans and credit cards. If I refuse to pay them she makes more accusations.
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The beginnings of a guide on charges and their changing amounts


Guest NATTIE
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Guest NATTIE

I am hoping to use this as a research tool on the amounts that Lloyds TSB charge NOW for Penalty charges. I am seeking the charge that can be claimed and the changing amount over the last 6 years. I will collate all posts into one thread and post it so that it will help Mods and site helpers have an easy point of reference for newbies who are starting on their road to claim charges back.

I am not an expert on Lloyds TSB so any help would be appreciated

 

Thanks in Advance

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AT THE MOMENT

Overdraft Excess Fee: £30 (Charged each time a payment is made that increases overdraft. Maximum of 3 charges in any one monthly charging period - maximum of £90 a month.)

 

Returned Item Fee: £35 (Per Returned Direct Debit, Standing Order, Cheque.)

 

 

FROM THE 1ST NOVEMBER 2006

 

Overdraft Excess Fee: £30 (Charged each time a payment is made that increases overdraft. Maximum of 3 charges in any one monthly charging period - maximum Of £90 a month.)

 

Returned Item Fee: £35 (Per Returned Direct Debit, Standing Order, Cheque. Maximum of 3 of these charges a day - maximum of £105 a day.)

 

 

* I'm not entirely sure of the exact dates involved but using my own charges history I can point to some of the previous charge amounts but only going back to November 2003.

PREVIOUS CHARGE AMOUNTS

 

Overdraft Excess Fee was £20 in November 2003

Returned Item Fee was £30 in January 2004

 

Overdraft Excess Fee was £25 in July 2005

Returned Item Fee was £32 in July 2005

 

It seems to be September 2005 when they changed to what they are today.

 

Hope this helps. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Minor alteration there Lucid:

 

FROM THE 1ST NOVEMBER 2006

 

Overdraft Excess Fee: £30 (Charged each time a payment is made that increases overdraft. Maximum of 3 charges in any one day - maximum Of £90 a day.)

 

As mentioned on a couple of threads on Lloyds recently, from the new letters they've been sending out!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi reload,

 

Sorry to have to disagree with you but I do.;) According to the page on the Lloyds site regarding the new charges from 1st November found here, the Overdraft Excess Fees are remaining at a maximum of 3 per month. It's the Returned Item fees that are changing so that they're limited to a maximum of 3 a day.

 

Lucid :)

 

EDIT: Unless of course the letters have different information in compared to their website details. In which case I apologise for disagreeing reload. :-D

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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... do you know, I could almost swear I'm starting to lose my grip :o :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Guest NATTIE

Cheers guys for the info for November this year but have you got some info on 2000-2006, pre Nov this year

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I've covered all I know in my first post.

 

AT THE MOMENT

Overdraft Excess Fee: £30 (Charged each time a payment is made that increases overdraft. Maximum of 3 charges in any one monthly charging period - maximum of £90 a month.)

 

Returned Item Fee: £35 (Per Returned Direct Debit, Standing Order, Cheque.)

 

PREVIOUS CHARGE AMOUNTS

 

Overdraft Excess Fee was £20 in November 2003

Returned Item Fee was £30 in January 2004

 

Overdraft Excess Fee was £25 in July 2005

Returned Item Fee was £32 in July 2005

 

It seems to be September 2005 when they changed to what they are today.

 

Fortunately my experience of bank charges only goes back as far as 2003. Hopefully some of the info in that post will be of some use.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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That's ok. Sorry I can't give any more info on previous charges but there's quite a few people who's claims seem to go much further back than ours so hopefully somebody will be able to help out with some more details.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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This thread I am anticipating going on tomorrow but am still needing more info. I think I have an understanding of the charges but need to clarify and get more info because so far the info is up to 2003 but I want those charges from 2000 to 2003.

One last clarification Overdraft excess fees have they worked the same since 2000 ie max 3 in any one charging period?

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