Hello, I was 100% successful in a large claim against Lloyds. I completed my claim but rather than allowing that money to stay with Lloyds I took it out a spent it (as is my right) so I still have a large overdraft. I'm in collections and have to pay money back each month. Which is fine. However I am considering taking them to court again for damages. I'm sure it helps that I did the actual claim for charges seperately. Anyway, my point is that all thse charges were levied when I was a student so when I graduated I was hugely in debt to Lloyds. This hindered my chance of getting a job and I had to endure two and a half years of painful low paid jobs just to pay rent. (In that time I've been bullied, demotivated, had to stoop to low levels, not the best thing for a grad from a leading university) When I think about whether I should claim damages I think about all the times that I couldn't eat for a week while their execs drove around in BMWs. There's a lot of material for a case I believe. Also because of their charges (which stem from one intial breach of contract/offence in 2002 and mostly come from my uni years) I have lost the opportunity of taking full advantage of the graduate account they offered. I couldn't extend my overdraft or obtain a graduate loan which would have all been very helpful. If it weren't for the charges I would have been seen as a 'good customer', not the best but certainly no liability. I am still in contact with LTSB Collections. They're a humourless bunch but because of the way they treat me bringing a case against them is more and more likely. They are nasty and vindictive and continue to threaten me whenever I suggest changes to my payment plan which I feel I am entitled to do; after all all agreement in making the payments were done before I realised that I had a legal right to reclaim the cash. I'm aware of one case at least that was described on this forum where one person did lose a damages case. I won against Lloyds for the charges on my own (of course with lots of excellent help on this site) but my point is what could I achieve with the help of a solicitor? Please, I would like to see other people's views on this and especially some stories. If anyone has any advice I'd be grateful to hear it. Thanks.

Hi, thanks for replying, That's true but the point has not so much to do with whether or not the customer can manage his/her finances. In my case all the charges can possibly be associated to a single first offence. This first offence caused the account to be £x below what it should have been at the time of the second offence. Therefore after years of this process it is not one's management skills it is specifically the banks maanging skills that cause the customer's financial deprivation. A £1500 + punishment for going overdrawn by £10 is of course extreme and as widely acknowledged unlawful. Therefore it is due to the unlawful charges based on this one offence that has caused the later struggles and consequently the damages claim.

Hello, I'm interested in this area (i'm not new to the site but this is a new account) I was 100% successful in a large claim against Lloyds. I too am seeking advice on damages but this isn't just a rant (though it of course sounds like one) Would start a new thread but can't for some reason?! Anyway, I completed my claim but rather than allowing that money to stay with Lloyds I took it out a spent it (as is my right) so I still have a large overdraft. I'm in collections and have to pay money back each month. Which is fine. However I am considering taking them to court again for damages. I'm sure it helps that I did the actual claim for charges seperately. Anyway, my point is that all thse charges were levied when I was a student so when I graduated I was hugely in debt to Lloyds. This hindered my chance of getting a job and I had to endure two and a half years of painful low paid jobs just to pay rent. When I think about whetehr I should claim damages I think about all the times that I couldn't eat for a week while their execs drove around in BMWs. There's a lot of material for a case I believe. Also because of their charges (which stem from one intial breach of contract/offence in 2002) I have lost the opportunity of taking full advantages of the graduate account they offered. I couldn't extend my overdraft or obtain a graduate loan which would have all been very helpful. If it weren't for the charges I would have been seen as a 'good customer', not the best but certainly no liability. I am still in contact with LTSB Collections. They're a humourless bunch but because of the way they treat me bringing a case against them is more and more likely. they are nasty and vindictive and continue to threaten me whenever I suggest changes to my payment plan which I feel I am entitled to do. I know that is a rant but there is substance there. Don't let the bastards grind you down.