Just read the Lloyds TSB 'victory'! i wonder if any of the mods could put what it means it laymens terms for us thickies if possible. I am probably worried like most other people on here what this means to us. Many thanks in advance John

Just read the Lloyds TSB 'victory'! i wonder if any of the mods could put what it means it laymens terms for us thickies if possible. I am probably worried like most other people on here what this means to us. Many

Does anyone have any Terms and conditions hidden away in a draw from 2001? Reading the Lloyds case this may or may not be important for the court bundle (which hopefully we will not need!)

Had a similar problem with work and mobile numbers - dont know where they got them from. I demanded that both numbers be withdrawn from their system 2 weeks ago ( i had to speak to a supervisor) and that all future correspondance would only be dealt with in writing. So far i have heard nothing more from them. Worth a try!

The knowledge on here is fantastic, i like the way that everyone helps, even thickies like myself. Hope fully one day i will be able to help someone. John

Very quiet in here........ LBA just been sent today as 14 days are up. Lets hope the Post Office can deliver this one without any problems! Anyone else at the same stage as me? could do with a buddy! Thanks John

Finger on the pulse? thought that what made you LOL Never mind - just me going off on a tangent - this is normal!!

I guess you must be a doctor / nurse something along those lines??? John

You are a superstar. Just read on another thread that Llyods have succesfully defended a claim do you know anything about this as you seem to have you finger on the pulse? John

Thanks Pinkdutchess, On the paragraph that says: I calculate that you have taken £xxxxx plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX. I am enclosing a copy of the schedule of the charges which I am claiming. What do i put after plus £xxx as i do not want to claim overdraft interest, just the 8% as or if it goes to the court stage? Thanks again

Hi All, I am looking for a LBA letter, the only interest i wish to claim is the standard 8%. Sorry for asking a question which must have been asked a thousand times, can anyone point me in the direction of a LBA letter to cover this. Thanx in advance John

Just read through the letter that they have sent me. The letter is dated 14th May. It starts by thanking me for my letter dated 02.05.07.... Then on the next page titled OUR PROMISE TO YOU... It states that they will try to resolve the matter within 48 hours of recieving the complanit, if they are unable to do so, they will acknowledge within 5 days with a letter... I wonder how it has taken them 12 days???

Just recieved standard letter form IF dated 2nd May so they must have recieved by initail request. Time to send off the LBA me thinks!!

Help.. Due to o/h made redundant bit behind with HSBC, they are offering me another managed loan to consolodate everything. Explained to the (not) nice guy that i was waiting for my statements from them (not his department...) and was going to claim charges back from them, he wished my luck (cheeky b'stard). Tried explaining that the managed loan was baiscally to cover their charges to me. Don't know what to do...

Resent Prelim letter on Friday, rec'd by Halifax on Saturday morning! Let the countdown begin 14 days...

The Bl@@dy post office have lost my recorded letter, its a pity we dont have a website that helps us claim against them! Prelim being resent today by special delivery, see if that works!!

I would ring the Royal Mail to find out what has happened as you have paid for a premium service, they may be able to tell you more over the phone as the website is not always updated straight away.

Well that is the Prelim letter sent (recorded delivery of course),,, Roll on 14 days for LBA, jusr preparing it now.

Thanks Andromeda, Perhaps we can work thru this together as i am a little nervous? John

Just about to send my prelim letter off to IF, should i send to IF in Scotland or IF Trading name of Halifax bank in Halifax. I am a bit unsure. Thanks John I have posted on th IF threads but it seems very quiet!

Hi all, Anyone know amything aobut Intelligent Finance, i have just started a new thread and could do with a bit of advice.. Cheers John

I wonder if someone can please tell me which address to put on the prelim letter.. either Intelligent Finance in Scotland or Intelligent Finance part of Halifax addressed to Halifax Cheers John

Just received my bank charges through the post today. Just to let everyone know, i rang IF on the standard number and asked for the information over the phone - they duly sent it within 2 weeks and with no charge... very nice of them! The charges come to £2859. i think i am in correct in saying that i now send the prelimary letter by recorded / registered post? Does anyone fancy holding my hand thru this so that i do not get things wrong? Would really appreciate it. Thanks in advance John

Yes excellent. I am like many others, the managed loan was taken out due to all of the banks excessive charges. it was not explained to me that it would also have an adverse effect on my credit rating. I am fumin' at the way they have got away with this for so long... my time to get even is coming!!!!

Will not have time for sleep - looking to Managed loan. I am spreading the word for other people to claim back what is rightfully theirs whilst i am waiting for my charges to come thru.