Hi I received a letter from SC&M they said the bank will pay me the full amount of £749.40p if i sign the following basis: 1. The payment will be in full and final settlement of your claim 2. The terms of this agreement are confidential to the parties and their legal representitives 3. you must agree to maintain your accounts with the bank within the agreed limits and in accordance with the terms that governs your account 4. you can avoid these fees in future if you agree an increase in your overdraft with the bank before you try and make payments that that would take you over any previous agreed limits. if you do not do so you will again incur these fees. Please let us know you are willing to settle the matter on these terms . if so your bank will arrange fore your account to be credited. What should I cross off and send back to them? Thanks for any help

Hi, I've read up on the settlement letter from Sechiari, Clark & Mitchell, on it it explains the bank will pay me the full amount of £749.40p if i sign the following basis: 1. The payment will be in full and final settlement of your claim 2. The terms of this agreement are confidential to the parties and their legal representitives 3. you must agree to maintain your accounts with the bank within the agreed limits and in accordance with the terms that governs your account 4. you can avoid these fees in future if you agree an increase in your overdraft with the bank before you try and make payments that that would take you over any previous agreed limits. if you do not do so you will again incur these fees. Please let us know you are willing to settle the matter on these terms . if so your bank will arrange fore your account to be credited. It all seems fair should I sign and send this off collect my money and donate to the site or is there something which could effect me? Thanks for any help

I've Won, I sent a letter to Lloyds saying I want the rest of the money owed and on Saturday I received a letter from Mitchells saying that the charges are legal, however, they will send me all the money if I sign the decleration Brilliant!! Thank you so much to everyone for their help! I've got a huge challenge now, I've gotta get the future wife's money back now! Thanks again £750 on its way to me, and donation on way to CAG

Hi guys, Over the weekend I received a letter from Lloyds saying they don't agree that their charges are illegal and they are looking at present having talks with the OFT. They then offered me a partial settlement of £580 when I've asked for £760. Then on Monday I received a letter from the courts saying Lloyds solicitors are prepared to defend in court! Can someone please advise on what step to take from here? Thanks for your help, Haglem01

THAT's BEAUTIFUL!!!!

Wow, the same happened to me, I phoned up lloyds and asked why i was getting charged £30 for being £6 over drawn, they said thet they've stopped the £10 buffer plus they have now stopped the fact that if you do go overdrawn and pay it off the same day you'll still be charged £30! They are bleeding Thieves!! They said there is nothing they can do even though I wasn't made aware they'd done away with the £10 buffer! I'm going to go to the local branch and ask for it back as you've done Chris! Thanks Haglem

I've just heard from the courts, they have informed me that Lloyds now have until 24th December to respond, could be a nice christmas present, but from what i've read Lloyds will hold out till the bitter end

Congratulations! Great thread, I have just filled in my 'POC' on MCOL yesterday, and if you don't mind will be using your thread to help me! PS lucky fella emmigrating and leaving rip off Britain behind! Haglem

Thanks Mjanet, I've read your thread before, fantastic - and after reading It gives me such coonfidence experienced people like yourself can steer us in the right direction. Thanks again Haglem

Thanks Barty, I've filled it in, payed the fee and now gonna wait and see what happens next! Haglem

Hi Guys, Please can someone help me, I am at present filling out the Money claim on-line form, can some one please advise me on the address i would use in 'defendent's address' is it - Customer Service Recovery Centre, Lloyds TSB Bank plc, 125 Colmore Row Birmingham B3 3SF oir should I use a different address? I'm so nervous, I'm living off £30 to last me until christmas and I really want to get this right Thanks for any help, Marcus

Hi Ella, Please use this thread in the library section, it has all the necessary letters you need. Cut and paste into word and then send off http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ but please have a look at this which gives you step by step instructions! http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html good luck, i'm just about to file against court now... so wish me luck too

Hi Guys, Please can someone help me, I am at present filling out the Money claim on-line form, can some one please advise me on the address i would use in 'defendent's address' is it - Customer Service Recovery Centre, Lloyds TSB Bank plc, 125 Colmore Row Birmingham B3 3SF I'm so nervous, I'm living off £30 to last me until christmas and I really want to get this right Thanks for any help, Marcus

Hi guys, I am at the stage now, where i am asking for Lloyds TSb to repay my charges. I have got my letter ready together with my excel schedule of claim for charges. I sent my first letter to : Lloyds TSB Bank PLC BX1 1LT where should i send this letter to? Please help, i've been delaying sending this cos i'm pretty nervous, thanks again for all your help, Marcus

Thanks Shaz, I've also had the bank ringing me, but I read in the forum to avoid teleconversations with the bank, would you agree with this or should I let my curiosity get the better of me and hear what they have to say? Thanks, Marcus

Hi, I am about to send my prelim letter, should i totally reword it so it's not a standard letter, or should i try and reword it to make it look different? In other words, If i just fill in the blanks for the letter from the templates, will this be OK? Thanks so much for your help, this'll really get my life back on track! Regards, Marcus

Hi guys, I have just heard back with after my data protection letter and have been given a list of all my charges. I want to procedd to the next stage asking for my money back.. I noticed in the library it says highlighted in red if the bank would reinstate my credit. How do we know if the bank have effected our credit score? Thankyou so much for your help, this is such a great idea. Marcus

HI guys, Have just had the breakdown of charges over the last few years, I want to go to the next step, and in the library under 'asking for your money back' it mentions in red to add the paragraph about if the bank have effected the credit to include' I was wondering how to find out if the bank has done this? Thanks for the help guys, Scared Marcus

If I do this and they reduce my credit how will i get a good credit score again? Thankyou for your help