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Hi Guys, I've read alot of the replies on this post however with 34 pages to go through will probably take some time. The problem is that i went to the jobcentre on tuesday to sort out benefit payments to stop it going into my bank because they had charged me 2 x £30 referral fees. The guy at the jobcentre thats no problem i can get a Giro. Anyway i have opened a post office account ready but i checked this morning and the payment of £92 has gone into the bank leaving me with just about £22. I would of took the letter in however i thought that the payment had stopped. Are you aware of anything i could now do to get the full amount out of the bank? Regards Steven

Yes you've got it that is what you claim for. Yes include a schedule of charges exactly like you have laid it out there although maybe spreadsheet would be better to use and this will also make it easier later when you have to work out the interest on the spreadsheet because you can just copy and paste. No don't send it to that address either send it to your local branch or customer service centre, make sure you send it recorded delivery. Customer Service Recovery Centre 125 Colmore Row Birmingham B3 3SF Cheers Steven

Right i've decided against sending them another letter and allowing them to stall, i know people have different opinions on this but i've had the letter stating it's the banks final response therfore they have reviewed the situation and declined to do anything about it so i'm going to progress. And the other end of the stick is financial problems so the sooner i get this started the sooner it can get settled. Right here's my moneyclaim just want someone to check it over to make sure it's all present and correct. I have a contract with Lloyds TSB Bank PLC, conducted on their standard terms and conditions.I am claiming return of my money taken by the Defendant in the way of charges over the last 4 years totalling £2258. The charges are a disproportionate penalty and therefore unenforceable, being contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts)Terms Act 1977 s.4 and the Unfair Terms in Consumer Contracts Regulations 1999.Para8.and sch.2(1)(e).In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods And Services Act 1982 s.15. I have repeatedly asked the Bank to justify their charges but they have declined to do so. I claim interest of £266.25 under section 69 of the County Courts Act 1984 at the rate of 8% a year from 01/11/02 to 19/06/06. I therefore claim a total of £2524.25(£2258 + £266.25) plus interest at the same rate up to the date of judgement, or earlier payment, at a daily rate of £0.50. Cheers Steven

Well since they've already had 2 months, i'd just put the date that your beginning the proceedings of legal action. I'd just give them 7 days to reply and if they don't reply then begin the claim because they are already aware of your intentions from the previous letter. Cheers Steven Another alternative is to email them, i've read alot of posts and some of the people who opted for email got a sharpish reply.

No the two steps you've mentioned are correct, Premlim letter, (14 days) LBA (14 Days),so you've give them more than enough time, so it is not required to send anymore letters and you could progress with your claim, however some people would recommend that you do send them a brief letter outlining your intentions, just looks better if it does actually goto court which is highly unlikely, but it shows that you've tried to resolve it and given the bank plenty of opportunity aswell. The only downside is that you would have to wait until they reply which is usually about 12 days. Cheers Steven

Good Luck Donna

No it's 28 days from the date you sent the 1st prelim letter, so 14-days for that, LBA sent - 14 days from that - then you can progress with your claim. It's just basically to show that you have given the bank reasonable time, which 28 days is. Cheers Steven

Welcome to the forum Chris, keep us updated, make sure you read the FAQ thoroughly and lastly Goooood Luck Cheers Steven

Yes as long as the 28 days has elapsed you can proceed with your claim. Best of Luck As for the spreadsheet enter the dates and the charges and it does all the legwork for you, saves you getting a calender out and using your fingers and toes and an abacus . Cheers Steven

No it's 14 days from the date you sent your letter, they'll drag their heels anyway so no point giving them more time to do so. As for your letter being sent to Glasgow, all complaints are forwarded to the Customer Service Centre so thats why the reply came from there. Good Luck

Hi i'm no expert but from reading other posts you can just state that you gave the bank extra time to try and resolve the matter, i'm not sure what the timescale is but i don't think 2 months is a problem, and if the matter does arise you can always state the fact that you have had financial difficulties but i doubt this will arise. For help filling in the moneyclaim you can read around a few posts and look at how others have worded it, but to get you started heres a link to ZUZU's topic which contains his worded moneyclaim online. ZUZU vs Lloyds TSB

Although i'm fairly new to all this but i'm learning quicly and having read many of the other post's from what i can see is that you can expect a settlement letter fairly soon, i'll let someone with alot more knowledge give you a proper answer but this is part of some of the procedures other people have gone through from what i can see.

I got the exact same letter, seems just like an updated template, and mine was signed by exactly the same person. If you've followed the steps Prelim-LBA then in 14 days from the LBA letter you sent you can file money claim as long as 28 days has elapsed.

The way i view it is that the banks walk a legal tightrope. Basically a company can put anything into the contract when it is signed and agreed to however this does not mean that it is lawful, meaning if you ever come across something in the contract which you don't agree to and professional groups also agree that these terms cannot legally be enforced you can therfore challenge them. Correct me if i'm wrong but thats just my view on it. Cheers Steven

I've just got the email address, any advice which letter to send them considering i missed the first one, i was thinking of just typing on up myself a fairly standard letter including a date i will begin court proceedings and at that time interest will be applied to the amount requested. Any advice? Cheers

Cheers MJanet, Does anyone have an email address that i could submit a further letter to them if this is recommended. I mean that their letter was dated 10th of August, i sent them the letter on the 29th July. Yes i already had another account elsewhere with barclays so i'm using that one now. Regards Steven

Just one quick question, my account is about £740 overdrawn on a limit of £200 this is all down to charges implied to the account. Do i just proceed with the claim and any money that is claimed back will cover this amount? Cheers Steven

Hi everyone, I didn't find this site until i'd already posted a letter to the head office i think the letter i sent was the LBA, but just got a bog standard reply letter through the post with the ending "This is the Banks Final Response blah blah 6 month ombudsman" so i'm guessing all thats happened is that i missed a step. Now i'm claiming for £2258 so now i guess i have to run the spreadsheet and work out the interest for it. Also the letter is dated 10th August so therfore i'm guessing i have to wait 14 days before filing the moneyclaim. Cheers Steven