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  1. balance clear ,default removed ,long haul but default free ,just in time for remortgage
  2. ltsb default removed ,account maintenance charges were from 2008 ,default was lodge nov 2011,complained jan 2012 no success,tried again feb 2013 6 weeks later confirmation letter in the post default to be removed and balance wiped clean
  3. Good news call from ltsb today finally they have looked at my complaint properly and although all charges are fair ,they are writing off the balance and REMOVING THE DEFAULT ,over 2 years since i first complained but dont give up keep trying
  4. Mine were all account maintenance charges ,i tried for a temp £150 overdraft which was declined,5 years later aftr defaulting me they feel sorry for my financial situation and are crediting me for £450,but letter stated this would be done within 2-3 days ,over 1 month has passed and no credit
  5. i am fighting ltsb for overdraft/account maintenace charges ,so far they have offered me £450 credit on original £840 ,still no sign of credit on account,supposed to get it within 2-3 days nearly four weeks and nothing !. the default was added 15 months after i entered dmp with them ,i am disputing this as i thought ico guidelines were 3 months afteraccount is not being used correctly,as i believe i shoud have been defaulted in march 2009,it was defaulted nov 2011.All of the charges were account maintenance charges ,can they default these?
  6. i am also fighting ltsb for overdraft/account maintenace charges ,so far they have offered me £450 credit on original £840 ,still no sign of credit on account,supposed to get it within 2-3 days,Are yo saying you cannot be defaulted for an overdraft ?
  7. how did you get on ,i am trying to get a default removed with £800 account maintenance charges,they have refunded me £450 of charges but unwilling to address the default,i am trying to get removal due to time limit ,it was defaulted nearly 2 years after going into dmp
  8. i sent a letter threatening to take them to court,they sent a letter saying a response would be issued before 28 days which they sent offering £6663 ,i phoned twice and got £800 account maintenance added then phoned again and asked for £600 interest ,they gave me £300 so i accepted ,i did it in one claim,i have emptied the bankl and closed the account
  9. sorry it took three months,no help from these forums ,they tell you to search threads ,basic advice ,dont harrass the bank ,let them get a chance to make you an offer,AND CLAIM ACCOUNT MAINTENANCE CHARGES
  10. it should not get to court read my other threads ,claimed £6667 ,received £7800 ,did not even send lba
  11. claimed £6667 ,settlement after adding interest & account maintenance charges £7800,do it yourself
  12. i claimed £6667 from bos ,they offered full settlement i after i sent 2 letters and phoned twice,i called them twice and got a further £800 for account maintenance and £300 interest,no letter threatening to close account
  13. i spent weeks looking on these sites but no one gave mne real info just follow others ,i was taking bos for £6667,i received all letters from a friend he said look on this forum due to the amount,i could not gey anyone to help so i did it myself ,after 3 months they offered full settlement ,i them phoned and said this is full & final but i still had £800 account maintenance charges,then he offered £7500 ,30 minutes later i phoned back saying no interest given and bluffed that i had spoken to my solicitor ,he would look into it ,asked for a further £600 ,he then returned my call and offered £7800 to which i duly accepted,so after their full and final settlement i phoned twice and received £1100+ more.this is real advice ,let the banks take theit time dont harrass them ,then you will be treated fairly ,at the end of the day i had managed my account badly and after 5 years got £7800 ,now i will never get another bank charge
  14. i claimed £704 from ltsb in scotland ,nobody on these forums give you direct help ,my friend had given me the letters to send as he claimed himself ,2 letters from ltsb saying no refund final offer ,i was going to fill in court forms ,then 3 weeks ago they put 750 in my account ,i still have not had any letters from them
  15. i am in the same boat due to festive hols i decided to give them until their date of 30th jan ,i phoned midweek and was told they were looking at my account ,they toook my mobile number but still no call my claim is for £6663 so i cant week to go to court as in my area there is a journalist looking foer bank charge stories
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