ok guys, its probably annoying that i have created a few threads now, & im sorry. but the problem is firstly i cannot find my 'old' thread. secondly, a few of them are question - nothing got to do with my 'case' and thirdly, ive been searching & serching for some info's & i cannot find it. therefore i tend to ask you guys, by opening a thread. i find, ppl read my thread, & dnt respond. (is it becos of my user name? ) ok,,, i cannot find the excel sheet where you write your charges in. & the address of where you send the s.a.r & the prelim letter. PLEASE reply.......

found it, dont worry. only question, where do i send it? what address. (i dnt know because when i asked for mine, i asked for it over the phone THEN i came accross this forum)

can someone give the link for the subject access request letter, for my sister. i never used it, therefore i dnt know thanks:D

congratulations

omg....hope ur ok..... in cases like this...can they force you to pay for the loan in one chunk?

how do i print the scedule of charges? or save it?

ok guys...ive been very nervous about this, but now ive decided that within this weekend i will send my prelim letter with the charges. i need a little help though...... 1) do i keep the red bits in the prelim letter red...when i print it? (sorry im a little slow in these fields) 2) im actually not sure if lloyds ever put a 'default' in my account......SO do i still keep that 'default' paragraph in the prelim letter? 3) i dnt understand the difference between the 8% APR & the cont'''' one....can some1 explain pls in laimans language.. pls 4) how do i save the excel format in order for me to fill it in & print? ? ? im so confused please & thank you again.....i am trying to write the letter now....i mean fill it in..

woooooOOOOOOW !!! i read all NiNe PAGES! lovely story....the bit where the judge said he was on 'their side' i didnt understand that bit....what do u mean?

hi people.... i am opening this thread for my sister......HSBC have been ripping her off with unlawful charges for years & years:eek: i personally dont have a account with HSBC so i had a few questions .... 1) is the process of claiming the money back simillar OR same as LLoyds?......(as im claiming from them) 2) can someone give me the link to the first few steps of ordering the statement of charges & prelim letter etc... 3) can she ONLY claim back the past 6yrs only? 4) what is the maximum yrs she can claim back? 5) can she also claim back those charges that accurred when they threathened at times to take her to court for late payments? (like £250-solicitors handling fee they asked for?) thank you,,,,very grateful (we shall start her claim after i have the first few guides in my hand)

ok thats good...i shall be posting it there too...

ok...thanks.....

ok..along with my past 3-4 months of charges ...i can start the process? also...would you also reply in my other thread.....i have several questions there....thanks

pls reply guys.....pls...i just want to make sure its correct b4 i send it off)

as some of you may have read my other thread...ive got my statements from them now......im just wondering...does it matter HOW you got your statement? BECAUSE....i just phoned them & they sent it within 40 days.....i DIDNT use they template from this forum to recieve it.....

what exactly did they send you? and is ur account a student account?

OMG.....i also have a credit card with LLoyds......would that do any damage to my claim for the standard bank account charges? i sometimes have late payments for the credit card.....what if they say.....if they pay up....that i have to pay their credit card in ONE LUMP ? will they?

thanks.... i do a lot of telephone banking.....& ive noticed...ever since i asked for my bank charges....they NOW have this 'option' before they put me through to the operator saying 'if you want to discuss regarding your bank charges...pls press 1 to speak to someone'......LOL.... they probably know im on my way......

ok ive read it...its more clear to me now......thanks so do i enter my charges on the spreadsheet, then remove the APR 8% interest and print? (to send off with the prelim letter?)

btw when you file it with the court....which court is it? & is there court fees? do we need solicitors?

ok....just so i dnt make a mistake.... 1) the letter template & schedule templates on this forum....DO i use them in exact word-for-word with blanck 'bits' filled in? 2) i really dnt know how to work out the 'APR' 8 % interest bit on the scedule of charge bit.......can some1 show me a example pls or tell me how? :-|

thank you so much for replying so the next step is sending a prelim letter? with a schedule of charge? pls somebody...

helo every1....i was recomended by someone to visit this forum...it looks very helpful... I want to claim my bank charges back from LL tsb....right now it stand for about £1000, ive asked for my charge statements...& there here.. BUT now what do i do? can someone briefly care to explain how the procedure may be? just a short one? ...i dnt know much about law & policies....& i have tried to find guides on this forum....but was unable to find strict guides from the begining.... Some1 pls help me out.....what do i do with the statements now?.....& whats the procedure?..whats the next step for me? PLEASE *i am waiting for your help*

Hello all.... Im mAnGo !! ...the reason why i came across this forum is because im sooooooo like fed-up with Lloyds Tsb...... ....i get the feeling their chewing on my money every month....without a valid reason! :-| ....also i have heard that there's something we can do to get the unlawful charges back!! anyway......i may need a lot of guide & idea's from the 'experienced' here.... so far i have requested for all my charge-statements, and have paid up a £10 fee......but im so confused.....after waiting soooo long....they only sent me statements of the past year.....Why havnt they sent me the previous 5 yrs before that?.....when i asked & paid for it? shall i wait & see if it comes through different envelopes? According to the last yrs charges- they took £840 from me.....imagine how much more it would be when i get the remaining 5yrs statements! :o BTW......congrats to the successful candidates.... Mango