just wanted to recognise nicsussex for his help... got the wrong name on my 'thanks for your help note' although nothappybunny was very helpful - Jees' Im starting to sound like Kate Winslet!!!! Thanks again all who helped

I got one today!! Strangely dated the same as the previous but agreeing to settle, thanks for the heads up of the other forum Nothappybunny really eased my nerves, I was receiving the exact same letters as Suzanne. It looks like they sent us both the same settlement letter as well. Thanks again Donation will arrive once monies have.. *** Power to the people (who get off their butts and do something about it)***

Me to Guys, got the second letter the very next day... £848.50 not as much as Suzanne but still as sweet!!!! Im thinking of checking out my second account that I have with Lloyds, If i sign this letter i will still be able to claim on my other account wont I? Congratulation to all, donation will arrive once I receive the cash!

I got this very same letter from SC&M solicitors today, Ill call them to see what the meeting is all about but only to discuss my account, I might ask the manager to obtain some original T's and C's as well. Ill let you all know how it goes

Hi All, I received a letter from Lloyds's solicitors (SECHIARI, CLARK & MITCHELL) stating the following.. We have been passed a copy of the procedings that you have issued against our client in Gloucester County Court. The Bank will be defending these proceedings on the following grounds: 1. The fees that you seek are properly incorporated into your contract with the Bank; and 2. By making payments (whether by cheques, debit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the Bank may meet or decline. If it meets your request, you must pay the necessary charges. The issue of penalities only arises as a matter of law, where there has been a breach of contract and there is no such breach of contract here. Looking aheada situation which give rise to a dispute is not one the Bank wishes to continue. In view of this, you are requested, please, to make contact within the next 14 days with your local Lloyds TSB Branch Manager. on 0845 3000 000 to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs. We await confirmation from the Bank that ths action has been taken I also received my Notice that Acknowledgement of Service has been filed A few questions.... Is it normal to receive a solicitors letter like this one? Should I contact the branch manager as requested? Do I need to do anything with the Acknowledgement? I have a feeling a 'bundle creation" is going to be needed with this one, Any suggestions 1 more thing, where would I get a copy of Lloyds TSB's T&C's from about 6 years ago (would be useful in my bundle)

Hi, about 7 days ago i sent the 1st letter requesting my money back along with the spreadsheet to Lloyds and today i got this letter... Tankyou for getting in touch with us. I am sorry you are unhappy about your acount charges. Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we cant agree it. We feel its fair to charge for this service. Of course it's only fair too, that we're completely open about any charged-for services before you might need them. thats why we take care to give every new customer the latest guide to ourcharges. you can also get up-to-date details about fees and borrowing rates t all our branches, through our helpline and our website. just as importtntly, we do everything we can to help out customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile. If you know a payment is going to take you over your agreed limit, your welcome to see if there's anything we can do. The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed limit. they are not default charges because you haven't broken your agreement. They are our prices for the service we provide in thes situations. i understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card loan, loan or mortgage accounts. I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges. If you have asked for copy statements and paid the fee, we'll send them to you within the 40 day limit set by the Data Protection Act. If you have not yet sent the £10 fee you will need to send it to us at the address below. the 40 day limit starts from when we receive your paymen. Please quote the reference number shown above when you send your cheque to us. (Statement address ) i hope this fully answers the points you raised with us. Please let me know if there is anything else i can do to help. if we cannot come to an agreement, I will provide you with details of the Financial ombdsman Services so they can consider your complaint independently. If you are happy with the way I have delt with your complaint, there is no need for you to reply to my letter. if I have not heard from you by the 18th June 2007 i will close my file, though of course I will re-open it should you come ack at any point afterwards.... Should i respond to this letter or should i just let the 14 days expire and then send the second request for payment?

Thanks Barty :o

Im getting a bit confused!!! I sent my letter to lloyds on the 27th Feb asking for details of my bank charges, I received a letter back from them (on or around the 25th March (I have a copy of the letter at work). stating that they have sent me a list of charges back to 1st Sept 2001 this is not all my charges information for this account, the letter the bank sent stated that if i wanted the rest of the information I needed to return the letter in the envelope provided and wait another 40 days... on the 31st of March I sent there letter back (after taking a copy of it) along with this letter... Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: xxxxxx xxxxxxxx Thankyou for your response to my letter dated 27/02/2007 However, As I requested all my statements I m afraid you have not responded sufficiently to my original request. Please supply me with the remaining statements or lists of charges relating to my account. 40 days from the date of my original letter is 9th April and I expect this to be completed by this date. I have enclosed a copy of my original letter for reference and look forward hearing from you in the very near future. Yours faithfully, I still have not received the remaining charges or statememnts from them or had any correspondence from them. Please adivse what my next step should be Thanks

Excellent, Ill keep an eye out

HI, the letter I have sent is the one requesting my bank statements, its been 22 days and I have not heard a thing so i was wondering if i should send a follow up letter reminding them of the deadline and if there is a remplate for this kind of letter

Hello all, I sent my initial letter off to Llloyds on the 28th feb but I still have not heard anything, is it worth following it up with another letter reminding them of the deadline and does anyone know if there is a template for this kinda thing?

Marie, I have just sent my initial letter off. If you are going to chase them I would advise you do it in writing and remind them of the deadline date!

Hi all, Im quite new to this and I am considering going through the claim procedures. I was wondering, has anyone ever lost a calim?