which is better online or court? has anyone done it in cardiff???

thanks for yr message so where do i start???

Hi, just looking for someone advice, i think i have read so much on here i should be clued up but think i have confused myself!!! lloyds tsb havent responded to my lba letter and so there time is up today so just wanting to know where i go from here, what links and site i go to next... i have 2 accounts with lloyds and doing them seperatly just got the statements today for the other account so will now ask for my money in the first letter to them any help is gratefully appreciated Louise xx

thanks so much feel daft now....lol thank you

Hi, just to say can anyone help me find the letter asking for statements for last 6 years as been looking for hours and getting really tired sorry x also lloyds 40 days to one of my accounts is up in 1 day and i have had no repsonse frm them can you advise what letter to send next thanks Louise

thanks.....i was just reading some similar threads with yr messages on !! how mad is that ...lol i am just wondering if he hasnt had contact and they are about to go over the 6 year mark if he makes contact now it will reset the clock wont it??

Hi, having loads of advice off here off some lovely people,i am doing claims for myself, my dad and now my brother has asked me!! i will start comission i think! I would like to know if the debt is over 6 years now can you still claim back? do you have to have the details? if he dont have the details but know the companies is he still able to claim? would it show on my bros credit file or would it be gone now or is he better off leaving it he has some debt from awhile majority of the amounts are due to charges so if he was to claim it back and they took it off what he owes how does he pay the bal then can he do a agreement i.e instalments? sorry for all the questions but i just hope i can sort this out for him as he has struggled for years he helped me when i had a bad patch so just want to return the favour thanks

ok thanks thats great will start with the rejection letter now and keep you updated

ok my dad will be pleased!! when i was in college they helped me so much so i am claiming all their fees back when they were in a bit of a struggle a few years back as a thank you.. he will be well leased with me i will get my dad to bank the cheque then and write to them requesting the remainer i will get the letter from the lbrary...do i then just pursue the normal procedure by the way thanks so much or your help

ok brill will do that then does my dad bank the cheque in the meantime?? my dad says just to take what he has been giving as he thinks that they wont pay out anymore and he dont want to end up with nothing..i am quite happy to fight them all the way what you sugget Louise

hi, Can anyone help me i am trying to sort out a claim from black horse with regards to charges for my dad..he had a car on finance with them and it finished about a year ago. The charges were returned dd's and late payment etc The total amount of charges came to £1400.00 approx no less, i sent them the letter off here and then had a reply 5 days later!!! saying that £700.00 will be sent to him in the next 10 days 3 days later!!! recieved cheque for this amount. Am just wondering what to do wether my dad accepts this or do i send them a rejection leter and push for the full amount and keep cheque as part payment or return cheque with rejection letter...please help thanks

done letter and sent recorded today have given them 14 days to repsong if they dont i will send lba letter and then take it from there

thanks so much..am doing it right away!

Hi , I am looking for some help, i wrote to barclays asking for my charges money back they sent a letter makeing a offer, i rang them to discuss it and they told me aload of rubbish basically so i accepted, i have since then after reading more and more on cag that it was rubbish so i have rang them today and said i am now declining the offer they said thats fine and that i just need to start with the legal proceedings now, they said i didnt need to write to them to say i am declining as they wont reply so basically do i need to write to them declining and whats my next step as i have declined the offer and need to start proceedings... help would be appreciated and after all the help i have had so far on my lloyds case i will def be giving a donation..without this site it wouldnt have got me as far as it has ..thanks thanks again barty for yr messages!!!

i know thanks for yr help also...i spent 5 hours just reading last night and it has helped alot..done my lba letter for the first account today as i dont want to let them say i am out of the timescales and then i will do the second account seperatly..so i am just going to post that 1st class rec in a min... will keep you all updated xx;)

ok will do ....they are holding back though as they still havent sent the statemnents for the other acc as yet and its been nearly 28 days ...what i dont want to do is run out of timescales on the 1st acc..... thanks for yr advice xx

thanks pen am doing the lba letter today xxxx

ok dave ta very much x yes they are both personal accounts and both in my name only....still on here reading all stories... does anyone know what address i send my lba letter to the standard letter i got was from the andover address..also any help on the 2 account issue or should i do it seperatly????????please help

it was the standard letter from martins money tips site...where do i get the ones from here thanks for yr help so far and thanks dave thats really kind of you its nice to know i can get some help as the banks dont help you as the saying goes they are quick enough to take yr money they aint as qucik to pay it back hi another question i had 2 accounts with lloyds and they are dealing with them seperatly and not together so can i send letters and correspondence once or do i have to do it twice as am still waiting on the statement of charges on the second account? are they doing this so it costs me twice if i have to take them to court? also just been reading and reading since 6.45pm on here some great advice and success stories....lets just hope i am one of them

hi, i am new to this and just wanted to get some encouraging advice and help..i recently wrote to lloyds asking for my charges back..they sent me then a letter this morning saying they are sorry i am unhapy and that they are making a charge for extra services!! as when a payment gets returened its extra work and that i knew the t& c's when i opened the account, also that they dont ruin our credit they use white data info??(whatever that is) and finally that they are unable to cancel my charges and they hope i can see that the charges are fair and their charging system is as fair as possible..they then ask if i want to go to the financial ombus men then to contact them and they will give me the detials.. to me this is a complete joke there is no way i am leaving this as the charges are the best part of £2,000 so i would like some help on what letter to send next .. i have also changed address since i been with them and my letters to them have me new add but they reply to my old add!!!!!!! they cant even get an address right!! also is it true you can go back befoe 6 years? do youi have to have all the details or do they have other ways of finding it for you thanks and please help!!! xx

Hi i just want to say i have just recieved today exactly the same letter as above..its a joke!!! so if anyone got any advice on the next stages i would be grateful.. thanks louise x