God help them if they get you to court on the wrong date;)

Thanks for the help:)

OK, here goes, a few years ago i bought a car that was above my means and cost me a furtune to run. I could not afford to keep the car as I lost my job at the time also, I defaulted the repayments and things got worse and worse. Then my car was reclaimed by the credit agency listed in the subjest stream and I still owed all the repayments plus the lost intrest. I then got back on my feet and managed to pay all thye costs back to BCT I think at the time it was £8k. My question is am i able to reclaim any of the charges back on a vehicle loan and get the default removed from my credit file?

Got a reply of D Just in reference to my LBA. It basically states that the bank will not budge on their decision not to repay the charges and if i have a problem with that then go to the financial ombudsman. The letter did state it was a final response. Due to the line stating this is the banks final response on the matter I have now filed my Moneyclaim under reference 6QZ30781. 14 days to acknowledge.

With the halifax, some banks have an internal scoring system based on your banking practices, read the letter again and make sure it did not relate to its internal scoring system. If it did not state the internal syatem then write to them asking to change it with the external scoring agencies. As for lloyds looks like you have not got a default against you.

Dont forget to cancel the service or you will be charged monthly!!!! when they ask why you are cancelling just say that it did not give you the level of information that you required, say you were looking for specific payment dates to a creditor. Then they will cancel your subscription

It will state a default in the report, it stands out like a sore thumb. Looks like yours is ok. Does it have lloyds listed as a creditor?

Gallen, Take a look at the link attached and you can get you credit report today for free (just follow the instructions), it makes for interesting reading, mine did, things i did not even know about (thanks to the ex) http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1101485056,23650, Good Luck

good luck to the both of us.

Letter before action letter sent recorded:) I shall now sit back and wait for 14 days or for a get lost reply (which is the most likely).

Got a letter, on Friday saying the bank is charging me £35 for going overdrawn £1.01p. So I will just add it to my claim. Going to send my LBA tomorrow so it is there on tuesday for mr Just. Also got a letter saying my DPA letter needs a £10 fee with it, even though I sent it with the hard copy. I also sent the request in e-mail, they must be reading the e-mailand not the hard copy, my £10 fee was paid by postal order and it was recorded and signed for. In the letter they state that the 40 days does not start untill payment is received, I might just let it ride for the 40 days and report them. God I am turning nasty:rolleyes:

Just had the standard letter from Davis just, stating no go away and if you proceed then you may lose facilities. Thats fine as I have my parachute account. So next step is to do LBA after the 14 days have expired.

I agree, but they are thinking damage limitation. I have also taken my amounts sought off and my location, just in case. It still does not change the outcome either, they are wrong in the first place in taking our dosh

I have been informed from the bank that they do read these threads to see what level of threat it is to them. I have an inclination that they may also tally our letters upto the threads. So I will be nice Mr bank manger but will you just give me my dosh back?

For the lloyds Bank managers that keep a tab on this site (because they do), we stand united and we will win because the law is on our side and you proved that by the evidence in this thread and many others. So make it painless for all of us and just give us back our money. Well done on your win!!!!! It doesn't give us hope, just reassurance that we are right. Hope is for people who only have a slight or moderate chance of winning we have more than that because we are right. God I sound militant today:-D

more interest!! they do have the nack of filing at the 11th hour

If they have forgot to file the defence then I would start the judgement. Good Luck

Keep us updated Lorraine, we wait with eager anticipation. Good Luck

Right, I found all my bank statements apart from the last year, so I phoned Phone bank and got a monthly breakdown of charges for the missing year. I have calculated £3.5k in overdraft excess fees and Returned DD's. one month they took £480 in charges from me for Returned DD's. This figure does not include interest for usage of the overdraft, just the excess charges. If this does go to claim then the intrest will bump it up to £4.3k, so I hope it goes to claim!!! The other thing I notice is that in a 9 month period LTSB increased their OD usage charge from £20 to £25 to £30 which I find pathetic considering that they are also getting the Intrest on it. I have just used the template in the Library and I have made the amendments to the prelim letter and it will be in the post recorded delivery in the morning. This site has made it so much easier to understand the fraud that has been going on and how to deal with it, thank you everyone (I know I am at the start of it all but it has been a big insight)

I got one of those today, arn't they crap. On the phone to phone bank for my last 12 months of charges, already upto 4k inc intrest, it is scary how they have got away with it for so long

Just had a reply, the standard one from Keith Boden saying he will pass it on to the copy statements manager. He also says he has attached a PDF to tell me how to complain about my bank, guess what!!! there was no attachment. well they have till the 30th May to send them to me. A friend of mine who works for the bank has told me that they normally send statements out ASAP due to the concequences of failing to supply, they are more scared of the Data protection stuff than the courts. This is the letter sent to me today: Thank you for the e-mail. I acknowledge your request for copies of statements/charge transactions on your account since January 2000. Your e-mail has been passed on to the Manager of the Copy Statement Unit and I have asked that he notes your requests and arranges for a response to be sent to you at the earliest opportunity. In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've attached one to my e-mail. This tells you all you need to know about resolving your complaint with us. Regards Keith Boden Lloyds TSB - Service Recovery Birmingham

Thanks for the welcoming's; I have now e-mailed my initial letter to the bank asking for a breakdown of charges. I will keep you all informed.

Found this site through Martins Money Saving Expert. I have read all the pro's and cons of reclaiming charges. The biggest draw back seems to be removal of Facilities and cards, so to make sure I have opened another account at another bank (just in case, but I will probably switch anyway). Now I can e-mail my initial letter for details of charges with a contingency plan. Fingers crossed.