Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited


1 Neutral
  1. It is excessive tho, and my bank is guess who...Lloyds. Cannot cost this much tho..
  2. I have a business account and they have been charging £50 to set up an overdraft facility surely this is excessive to?? Anyone know if this is illegal
  3. So photoman should we be going for more then 6 years back then.?
  4. Hi thanks will get to it and finsh off my letters tomorrow. Have 2 business accounts and now have all the details. So are you saying still can proceed on the personal front and see how it goes in court.? will they hold these claims then
  5. Hi can we still make claims or has that stopped now a case is goingto court.
  6. |Hi this is great can you do other letters in the same way. thanks Great x bright
  7. Hi. thanks photoman:smile: and all you other guys This my trial bank account to get me started. Going to start on Ltd company soon. { Can I use this letter to. :?: for that business account. Bright.
  8. Hello Photoman and all in thread is this letter right for sending now [sole trader business account.] I now understand that the regime of fees which you have been applying to my business account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to Statute. The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the bank; exceed any alleged actual loss to the bank in respect of any breaches of contract ; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the bank which exercises the contractual term in respect of such charges with a view to profit. The precedent for this was Dunlop Pneumatic v New Garage [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated the account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. I calculate that you have taken £185.00 plus £62 which you have charged me in overdraft interest for the sum which you have taken. Total £247.00 I enclose a schedule of the charges which I am claiming with this letter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully,
  9. Hi thanks will get reading again and resend the business letter before any action again.
  10. Bright You can use UCTA77 (ask them to demonstrate where in the act it says otherwise, and they will not be able to), BUT they are correct in saying you cant use UTCCR. Come and have a look and join in this thread for Business claimants, lots of help here: Claiming on a Business account? Lets join forces? Hi Hope I am in the right place now, does this mean I need to start again and use the UCTA77.. :confused: P.S. Is theirany guides to getting round this site??? Help.....
  11. Hi Help required Have started two claims against LLoyds-TSB one for a business account and one for personal account. Have had a letter back to day ref the business account Very similar to other replies / templates posted from LLOyds but with the addition of this para " I notice that you have referred to the Unfair Contracts Terms Act 1977 and the Unfair terms in consumer Contract Regulation but these don't apply to you as you are a business customer and these acts and regulations only apply to consumers." Is this correct or should I go a head and file a claim to court now. Bright3945
  12. Bright v LLOYDS TSB Action against one closed business account £275 without interest Action against one Platium account current. £925 without interest Got letters back today normal charges etc.. So will have to do LBA [ i think.]
  • Create New...