This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hello, was have a look around the site to ask the same question, I am also on a DMP and was wondering if the card companies would force me into bankruptcy if i claimed. How are you getting on??? Gary.

Just come across this thread, WHAT IF? You had 2 bank accounts with an overdraft of say £500 each and you just swapped the cash to each account once a month this would be classed as credit, wouldn't it? so therefore it would improve your RATING. OR, If you could manage to get 2 small loans for say £500 each for 12 months and pay each monthly payment with the other one etc (find the lowest flat rate you can) could this be a cheap way to improve your credit rating?

Hello all, I had to share this story with you all. My wife was at our local LTSB today and over heard the following conversation by a young lady of about 17/18 years of age:- The young lady had received a letter from the bank telling her she had gone overdrawn on her account by £2.00, this was because of a £7.00 charge for the *select account* it turned out that she didn't even know she had this type of account (uhmm another sneaky ploy by a bank employee for commission?) any way the young lady asked if she was going to be charged for going overdrawn. The clerk went away for a moment for some advice, on the clerks return she was told on this occasion no charge would be applied however if it happens again she WILL BE CHARGED! She was also told to pay the £2.00 into the account there and then, but she was going to be paid tomorrow and this would put her back in the black. My points are as follows:- 1) If she hadn't of gone in the bank with the letter, would this have been the start of LTSB's charging of this young lady? 2) It was LTSB's fault she went overdrawn. 3) Why didn't she know about the * select account charge * Has anyone else had a similar experience or story? Please link to my other thread. I have just WON against LTSB after an 8 month slog of letters and court, to see how it all ended click below. £3251.43 back to me. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/53442-general-form-judgment-order-new-post.html "SCREW THE BANKS BEFORE THEY SCREW YOU"

Hello all, How, Who or what do I do to move my thread to the WON file?

UPDATE:- HIP HIP HOORAY One letter from SC&M offering SETTLEMENT IN FULL:D . It's the standard letter with all the usual rubbish ""without prejudice"that when I agree it must be "confidential" and so on, etc etc blah blah.... I know some people accept but with a letter stating they don't agree to all the blah blah, as I haven't used the account for a year and it's in full £2200 O/D (I got a new account with a different bank before I started my claim in May last year) I will remove the surplus of the settlement and then they can poke there account where the sun don't shine, or should I use the acceptance letter disagreeing to their blah blah???? Happy Gary Keeping the faith "SCREW THE BANKS BEFOR THEY SCREW YOU"

Hello, Just got off the phone from SC&M, after asking them why no contact as per the court order and reminding them of the deadline to explain to court why not! The young lady disappeared for a couple of minutes then came back and said "an offer letter will be sent in the next couple of days". I won't hold my breath for it arriving by 4pm 05/01/07 so will get next letter ready to fax to court at that time. Why do they string it out as long as they can? HOWEVER "all good things come to those that wait"

Hello, Just thought I would bring you up to date. Sent letter as advised, 1 to Solicitors and 1 to the court on 20th Dec. As of today 2nd Jan no payment, no contact in fact diddly squit. Any one got any suggestions????????

Hi Gary, Thank you for taking the time to look and answer my questions. The letter is done and will be faxed 1st thing tomorrow, I will let you know when and how things progress. Regards Gary C.

Yes sent the QA and attached spread sheet of charges inc the 8% int and all costs incurred. We also listed in the other information all the steps, letters and dates of process to date. This was the only one sent and no amendments have been made to date. Cheers Gary C

Hello all, I received the following from Medway County Court, Upon the courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it. IT IS ORDERD THAT 1) The claimant be permitted to amend his particular of claim to incorporate the schedules of charges and of claim for charges enclosed with his allocation questionaire without filing and serving an amended claim form. 2) There be stay for settlement until 31st decenber 2006 the defendanthaving made a request for such stay in its allocation questionaire. the defendants solicitors are to notifythe court by 4.00pm on 5th January 2007 whether the claim has been settled or not. If not defendant is to include in the notice, a copy of which shall be served on claimant, details of the steps it has taken to try and settle the matter and the issues which are still outstanding and why. 3) The file is to be shown to a District Judge on or after 8th January 2007 for further directions to be given, if possible without a hearing. 4) Leave to either party to apply by 4.00pm on 15th December 2006 to set aside stay or vary this order. Dated 30 November 2006 I am shocked that I have managed to get this far and before I get to excited does this mean I have WON?? :-?

Good evening to all. Have pushed LTSB all the way and am nearly there with getting my £3k back. However after returning my questionnaire and all the proofs required to the court and copied to LTSB, LTSB's Solicitors are asking for copies of the same? Is it safe to send this information to them?

A little advice please, I am almost there with claiming just over £3k from Llloyds TSB. Have gone through Moneyclaim, the bank entered a defence at the 11th hour, and the court has had their questionair and details of what, when and how much, I also sent the bank a copy of all this info. Now the banks solicitors want a copy of all this information? is it OK to send it to them? will it help get my money back before it ends up in front of a judge?

So, its not over until the cash is in my hand! Well, on to the next step then...

have taken LTSB to court through Moneyclaim. claim served on 12/09/06, then acknowledged by their defence for their extra 14 days. That means today 10/10/06 was 28 days?? with no further reply from LTSB. Does this mean I have won????

Also on the LBA should I really threaten them with the OFT and if I do is there a template letter for this?

Thankyou Michael for that clarification, The Interest on the interest thats when it gets complicated maths, is it worth at the LBA letter stage worrying about? I have just typed a spread sheet with O/D Excess + Unpaid Charges only. This will be sent 1st thing tomorrow.

Can someone CONFIRM the following charges can or can't be claimed for, Overdraft Interest, Overdraft Excess, Unpaid DD, Unpaid SO, Unpaid Cheque, Anything else? Gary.:?

We have just been busy reading the FAQ again and are starting to get it! Our prelim letter 14 days notice ended today, although the bugger off letter came last week. we have copied and pasted the LBA. So tomorrows job will be an excel spread sheet with all unlawfull charges from last 6 years (£2282) and the LBA. Here we go again ready for the next bugger off letter! Then onto the next stage! LOOK OUT LTSB WE AIN'T GIVIN UP TILL YAV COFFED UP...........

There must be someone that can put it into simple English for us???

First and foremost can anyone help? We are not understanding via FAQ what we are supposed to be doing. So far we have received from the bank a full list of every single charge from the last six years, worked out how much we think they owe us and have sent a preliminary 14 day notice for our money back. We didn't enclose a schedule of charges because we were not exactly sure what that meant. Q1. Is this the full list of dates and charges from the last six years that we feel are illegal charges? Within the fourteen days of the prelim letter LTSB replied basically telling us that all the overdraft etc charges were legal, politely told told us that we should have ran our bank account better and that the letter is the banks final response and to refer our complaint to the Financial Ombudsman Service. Q2. Have we made a hash of this already? And what do we do next? Confused and frustrated Consort

Can anyone suggest the best address to send the request for repayment of charges letter??? Lloyds very quick with copy statements, only took them 2 weeks. Lets hope for the same again???

Hello, Just got my statements back for the last 6 years from lloyds, there is approx £2200 in charges, how? in plain english do I work out interest lost on O/D excess, unpaid DD's etc, before I send the next letter for a refund.