Greetings One an All,
Firstly a big thankyou for everyones contribution to such a great site, its making this process a whole lot easier.
I found you via MoneySavingExpert.com
Had been thinking about reclaiming my charges for a while but never quite got round to doing it. The last straw came in June when I received a letter from Lloyds telling me overdraft was due to expire at the end of the month and I had 28 days to find £700 to pay it back. After trying to extent it for a further year and being refused I paid a visit to my branch begging for help. After spending over an hour going through my finance the computer said no. The GF lent me £500 and I managed to scarp together another £150 so when they terminated my OD I was still £50 in the red - they then charged me £30 in OD xs fees for this oh so wonderful 'service'. Well now is the time for revenge.
After a few months of the usual letters passing forth am finally waiting for Lloyds to submit there defence.
Here’s my rather lazy timeline:
1st June 2006 – Sent Data Protection Act request via email. Received a letter back about 2 weeks later which I had to sign authorizing them to debit a tenner from my account for the privilege.
23rd June – Received statements and print outs of charges. They owe me £565, was hoping at the time they wouldn’t pay up so I could take them to Court and charge them interest and low and behold to the Courts we go.
5th July 2006 – Sent First Request for repayment of charges – received usual letter thanking me for contacting them (as if) and then politely telling me where to go.
26th July 2006 – Sent the letter before action and as expected got back the same letter everyone else seems to get. Our good friend Mr Just must getting a bit tired of constantly pressing that print button. Was a bit skint at this point so had to wait till payday (25th Aug) before I could file my claim.
25th August 2006 – Filed my claim through moneyclaim website. Thanks to everyone who has provided all the information to make this process so damn easy. At start of August received a further fine of £30 for a returned DD of £8.41, marvellous. I have added this to the claim. My total now including interest is £780 plus fees of £80 giving a grand total of £860.
1st September 2006 – They’ve acknowledged the claim and intend to defend it (would like to see them try). Lloyds will be defended by, surprise surprise, Sechiari Clark & Mitchell. They now have 28 days to submit they’re defence. Kind of hope they miss the deadline as I know they like to drag things on until the last minute an the cash would come in handy for chrimbo.