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Everything posted by Constak23

  1. Hello, I was wondering if anyone could help me at all? I was in the process of reclaiming my bank charges and I got to the stage just before I would need to start the court process. When I recieved a letter from Lloyds telling me that they would not be paying out any more cases due to the test case that is pending. This was a couple of months ago and i haven't pursued Lloyds anymore since. But since this date I have managed to help my boyfriend and my dad reclaim their bank charges from Barclays. Is it just a waiting process now or should I carry on trying to reclaim? Any help would be greatly appreciated as I really don't know what to do and I am a bit in limbo? Please any advise would be great... Thank you. Kelly
  2. Hi all, So I have been in contact with Lloyds as they have just sent me a letter stating that due to the test case they are suspending all bank charges claims. I will have to wait until after the case and they will contact me then.....Is this the case? It seems so unfair if so, I have applied for my fathers and Boyfriends charges at the same time (back in April/ May) and they are with barclays but they have both within the last few days had an acceptable offer made and paid into their accounts.. Any replies or advice is greatfully recieved!! Many Thanks
  3. Hi Thats Great...Thank you Barty!! I will be sending the next letter on wednesday...I will keep you all updated with my progress!! Thanks again for all your help everyone!! x
  4. Hi... I am hoping someone will be able to offer me some advice? I am at the stage in claiming back my bank charges when i have sent the first letter with how much it is calculated to be on it..and they have until weds 27th June to answer within the 14 days. But today i have recieved a letter from The customer service recovery centre telling me that: Office of fair trading have published new guidelines and that my account will need a more detailed examination and i need to send £10 for my statements...and they hope i am happy with the way they have dealt with my complaint and it will be closed if i do not answer by the 15.08.07. I am right in thinking to carry on with the next claim request letter, which gives them another 14 days to reply, and if they don't then i complete the small claims forms to take them to court? and that this letter is a stalling attempt and try to confuse me to not take any further action? All replies are greatfully recieved..thank you..and sorry to ask its just this letter has worried me/ confused me a little bit..thanks
  5. Thanks for replying so quickly! Just to confirm, should I send this to the address where i originally contacted lloyds sending my DPA letter?
  6. Thank you! Just my last couple of questions....sorry I know I am a pain... Do you send the letter & spreadsheet recorded delivery? And if so, do you do it to the first address that I sent my DPA letter too? Thank you again in advance.....!
  7. Hi there, I am so sorry to keep asking you all questions about these and i have read the FAQ's but i am just a little bit hazy with the 8% interest apr column? This will be my prelim letter back to the back trying to reclaim charges after recieving my statements. On the calculation spreadsheet do i send this with the letter with the & column on it? or do i remove it? but then on the letter it sayes: What I require 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 enclose a schedule of the charges which I am claiming with this letter If i do keep the 8% interest, do i put the total in the paragraph too? I am sorry if these questions are obvious, and frequently asked i have read though but i am a little confused and nervous. Many Thanks for your understanding. x
  8. Hi There, Can anyone help me please? I am trying to reclaim my bank charges and my dad's and boyfriends. (I am with Lloyds and they are both with barclays.) I have sent off to the banks £10 postal orders with the letter requesting for all of my statements, but haven't heard anything....However I have just read that you needed to enclose a stamp addressed envelope..which unfortunatly i didn't do... Is there a chase up letter I can send, although i have just read my letter that i sent and it does say that i will be happy to collect from my branch? Any help or advice anyone could give would be greatly recieved!! Thanks x
  9. Hi All, I am new to this site and I have been reading up for the past few dayts and I am with Lloyds and I am now starting to reclaim my charges! I just wanted to say hi, and if any one has any interesting tips or threads for me they are all welcomed! Many thanks! Constak23
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