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lincsman

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  1. Hi, been away for a while and so much has happened. Well done to everyone who has got their money from the banks already. As for the rest of us I think it is only a matter of time until the test case rules that the banks have been [edit] from us for years. It is so going to be worth the wait!!!! I was looking at an old "you've gone overdrawn" letter from the bank tonight and it reads that "we will have charged you for being overdrawn unless you had brought your account within your overdraft limit on the day we wrote this letter". This being the case I can't understand why the banks say the charges are "admin" charges for sending the letter as if you rectify your account on the day the oversight happens you will not incur a charge (even though you have had a letter and therefore in theory incurred an admin charge). Can anybody shed any light on their argument???
  2. The charges range from £5 some months to £25.00 on others. I seem to recall when I got a "select" account that I had an overdraft of £500.00. £50.00 of which was free every month. If I went further than £50 into the overdraft that is when they charged me usage fee.
  3. Just Made A Big Mistake and being rather thick??? Have just sent prelim letter off but didn't include O/D Usage fees as thought I couldn't claim them. Under "FAQ-Can I Claim" it says that you can claim for charges incurred for going over your agreed O/D limit which I understand would be an O/D Excess fee. It also states that if you get charged i.e £10 a month for an overdraft on your account then you cannot claim this back as this is an agreed service and there is nothing unlawful about charging for a service provided. I thought this is what an Overdraft Usage fee was??. Am totally confused now....what is an overdraft usage fee ? and if I can claim it do you think I should send another letter to them with a revised charges claim or have I already mucked things up enough. I would be claiming approx £300 extra.
  4. Just Made A Big Mistake and being rather thick??? Have just sent prelim letter off but didn't include O/D Usage fees as thought I couldn't claim them. Under "FAQ-Can I Claim" it says that you can claim for charges incurred for going over your agreed O/D limit which I understand would be an O/D Excess fee. It also states that if you get charged i.e £10 a month for an overdraft on your account then you cannot claim this back as this is an agreed service and there is nothing unlawful about charging for a service provided. I thought this is what an Overdraft Usage fee was??. Am totally confused now....what is an overdraft usage fee ? and if I can claim it do you think I should send another letter to them with a revised charges claim or have I already mucked things up enough. I would be claiming approx £300 extra.
  5. Hi, About to send my prelim letter off. Do I have to send it to local branch or thought I saw the address on this site under contacts as "Customer Care, Lloyds TSB, 125 Colmore Row, Birmingham, B3 3SF.
  6. Just a thought..... When you send Lloyds a Data Protection Act 1998 - Subject Access Request letter I would ask for statements in relation to your account and not give them the choice of sending you a list of transactions and charges. I sent standard letter and Lloyds sent me just a list of charges and the dates they were made to my accounts. As I didn't get full statement sheets I cannot fill in the "complex bank charges calculation" spreadsheet and claim for any interest on penalty charges as not got full info. Maybe this is what they are doing to stop paying any interest on their charges ??? Am now having to send prelim letter with "simple charges calculation" spreadsheet (claiming around £1000) which will obviuosly get the 8% interest added on as set out in this spreadsheet if/when it goes to court..... Good Luck Everyone
  7. Thanks for the replies. Am sending off Prelim letter tomorrow with "simple" spreadsheets for all my accounts with Lloyds. Have now added up all my accounts charges and it comes to around £1000. If it goes to court will also be adding the 8% as set out on spreadsheet. Have posted new link warning people when sending Lloyds Subject Request Letter to make sure they request statements so they dont get same problem I have. Reading everything I can as fully expecting this to go to court !!!!! Thanks Again
  8. I am trying to claim back around £500. Which is a lot of money to me but isn't compared to some of the claims.
  9. Hi, About to send my prelim letter for reclaiming charges but cannot work out overdraft interest (if there was any) as Lloyds didn't send me complete statements, just list of charges and the dates they were made to my account (so obviously cannot fill in advanced spreadsheet to work out any overdraft interest). Is there any other way I can work this out?? The figure that they owe me isn't that much so should I just complete the simple spreadsheet and claim back whats actually been taken from my account in charges and no more.....anyone else done this. Don't want to do things incorrectly and mess things up if/when it goes to court. Any suggestions or advice ??
  10. Did send the template letter from site but only requested six years info as thought that is all could claim for at time...lesson learnt. The letter they sent with my INCOMPLETE statements (given as far back as Sept 01, so missing 6 months) stated if I wanted any further statements it would take longer as they are archived and "under the terms of the Data Protection Act, we are allowed up to 40 days to fulfill your request" As I originally only asked for 6 years info I would like to tell them that I expect the rest of the missing data immediately as their 40 days is up or should I give them a further 14 days to send it all ?? Has anyone else done this??
  11. Just received my statements from Lloyds and had originally requested statements for past 6 years from the date of my letter. The letter they have sent with the statements states: "Please find enclosed details of charges going back to the date you opened your account, or 1st September 2001, whichever date is most recent.If you do feel you need further statements, this will take longer to access our archived data. Please let me know by returning this letter in the attached pre-paid envelope and I will order them for you. *Please send any remaining statements prior to 1st September 2001." Looks like they are expecting people to claim further back than 6 years doesn't it. Anyway sounds too good to be true.....but will have to wait and see!!!
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