Thanks for reply Andy But on the spread sheet do you enter: Date-Commision-£20 0r do you enter Date-unpaid dd £20 Do you follow what I mean?

Hi Sharman I too am going for Lloyds will be doing money claim on Thursday and will also be at Taunton. There is a guide to filling in the AQ in the FAQ section it gives you all you need. Good luck Midge61

Hi bimba good luck. Still waiting for someone to post an answer. Don't know why smile have to be so unclear. I have a list of unpaid items but it's seperate to the statements and doesn't make sense. Will have another go later today and try to work it out then let you know. Have looked at other threads and no one else seems to say how they did it.

Hi smillingyet sorry I think I didn't explain it very well. I know how to do the spreadsheet(already done one for Lloyds)but with smile the charges are listed as above and what I meant was do I enter them on the spreadsheet as that or do I have to try and find a match for say unpaid dd, unpaid cheque etc. Said it was dumb. I find the way they list things very confusing unlike other banks. Thanks for your patience

Hi all Well sars turned up today at last. Have been through it but it's very confusing really. I have commision.fees,service chargeand daily excess charge on there. So quick question can I claim all these and if so how do I enter them on the spreadsheet? Sorry if this sounds dumb

Hi Caro Don't you sleep? Ihave sent letter of non complience but will phone later as well I think.

Well still no sign of my statements!!!!!!

Thanks for the reply. I was only thinking of letting the ombudsman know because that is how all this started and I know the banks don't particularly like it if they are involved even as you say they really don't do much and have no power. Anyway letter of refusal going off in the morning.

Hi Micheal Thanks for that will do it tonight. Hi Gary In the letter she says: " We don't agree with the OFT's thinking on credit card default charges and we're still talking it through with them.But the important point is that the guidelines only concern 'default' charges. The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. so according to our legal experts, the OFT's guidelines on credit card default charges so not in any way apply." I was going to let the ombusdman know that I am taking legal action to recover the charges as I was not satisfied with their reply. Don't know if that will do any good though. Will write to OFT as well though.

Hi all Well I have had a reply to my lba from Annelouise Tisdall Assistant Manager. In it she says she thought my complaint to the ombudsman was just about the £140 of charges and apologises for the confusion. I did initially complain about this but in the section of the form to the ombudsman that asks how you want the problem to be resolved I did state that I would like the remainding amount of charges refunded as well. It goes on in the usual fob off way, Charges are valid blah blah blah... She says they cannot pay the £5306 but as a gesture of goodwill they are offering me £980. Then she says this is in full and final settlement but if I go back to the ombudsman and they start an investigation it will be withdrawn. So do I now write back and say I accept as partial payment and that I will continue to start my claim through the courts next Thursdasy the 29th which is the 14 day deadline? Thanks in advance

Hi all Well tomorrow is 7 days since I sent lba so still waiting for next fob off letter. Will start to get money claim ready for next week but do'nt know if I will have the funds as snatch west seem to be using my account as thier personal piggy bank at the moment £1700 in 2 months the b****ards. Written to them twice now about my circumstances and as they did'nt reply first time have said I feel they are in breach of banking code and informed my MP Jeremy Browne. So money claim depends on whether they use my wages for a weekend jolly or they let me have some!!

HI Well letter for failiure to compy sent this pm so hopefully they will get their act together! midge 61

Thanks closey I am posting letter by snail mail this pm. Still I suppose they are a bit busy at the moment hehe

I've ticked other but i'm in wellington somerset cider country! Midge61

hi all I know there are some of us on the same timeline so we will all be able to support each other:D . My Sars was aknowledged by smile on 8th Aug so their 40 days has been and gone. I sent them an e-mail today with the non complience letter attached. If I don't get rewply tommorrow will send by snail mail as well Good luck all Midge

I had a letter of aknowledgement of my request on the 8th August so I have counted 40 days from then. It will be up on 18th Sept I think is what I worked out so we all on same timeline. I'm going to letter ready to send off Tuesday. My account is an old one that is closed so I have to use snail mail. Good luck all

Thanks Princess Ivy you too.

Hi Gary Thanks for your reply and support. It is much appreciated.

Hi all Well I now have my lba all done ready to post tomorrow. I'm sennding it in the envelope they kindly provided for me and I have also enclosed the following letter for the nice Dawn Barlow Lloyds TSB 125 Colmore Row Birmingham B3 3SF Re: Account number 1388470 Response to settlement offer. Dear Ms Barlow Thank you for your letter dated 7/9/2006 I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totaling £ 5306.00. I will accept the sum offered only as part settlement and fully intend to recover the full amount. My letter before action is enclosed with another copy of the charges schedule. I would have hoped that you would have extended your gesture of goodwill to paying the full amount asked for especially with the OFT now beginning their preliminary investigation into bank charges. I also feel that the shareholders would prefer that you were not paying out more than is necessary. Once I file my claim with the courts Lloyds will have to pay a further one thousand pounds on top of my schedule due to compound interest and court costs being added. Surely it would look better for the bank if they are seen to be dealing quickly and amicably with such claims and not paying out more than necessary. None of the banks have been prepared to actually step into a court room and defend their ‘charges’ so why do they waste money on pretending that they are going to. As stated in my letter before action if I do not get a satisfactory answer to this letter I will proceed to make my claim in court. I trust this clarifies my position. Yours faithfully Midge61 Don't expect it to do any good but you never know!

HI had my first letter of rejection today but they have offered me the £140 again. So I will wait untill Thursday and send my lba.

HI mooreada, I had already gone to the FO before I found this site but the actual complaint was about 4 specific charges and Lloyds did actually offer a full refund of those charges. That is what I have refused and now commenced with the process from this site to get the rest. So I would say that for a small amount if you can give a good enough reason i.e in my case I said that the imformation I read on Lloyds site was wrong and misleading then it can work.

Hi all Well I sent a leter turning down thier offer as full and final settlement of my complaint to the FO and also included my premliminary request for the full repayment of charges totalling £5306. This was sent on 30th August and no reply as of yet but they have another week yet.

Thanks for reply. I have all my statements already so I will refuse and ask to get the full amount. Look out Lloyds here I come. I have also sent my SAR off to Smile. Many thanks

Hi all I started a complaint against LLOYDS TSB via the OB before I found this site. I had banked with them from 2nd March 2004 until March 2006. I had one bad month about 3months after opening the account and got clobbered with a fistful of charges and it was downhill from there. I even took out 2 loans during that period to beat the bank charges,failed payments and charges from other because of failed payments! In December last year I had to open a new account elsewhere just so I could pay the bills instead of the charges. I contacted LLOYDS and asked them to freeze the overdraft and let me pay back what I could each month but surprise suprise they said no. In the end I took out a secured loan to clear everything. I told them what date the money would go into my account but 4 days before that date they threatened me with a default so I raided my othe account and incurred charges there!!! and they very nicely told me to take my business elsewhere!!! How nice of the Smilie Bankers. Anyway I paid a large cheque for £13500 into my account on a Friday checked on their website how long it would take to clear and it clearly stated the money would be mine on the third working day ( what it didnt say was that was for Loyyds cheques only!) so I arranged 4 payments to go out on the Tuesday only to find out on the Thursday that they didnt!!! and ofcourse I got charged £140. When all payments and transfers were done I went in and closed the account but they withheld £140 and £82 in overdraft excess fees I argued that this was in dispute and they should give me my moneybut they refused. If I hadn't had my 10yold with me I think I may have got arrested. I wrote and complained and got a crappy reply, I answered unhappy and they ignored me. I then complained to Ombudsman and today Lloyds have written offering me £140 ( how kind). Anyway my question(after all this) is they have asked me to accept this as full and final settlement of my concern, if I agree does this mean that I cannot persue them for the £5113 that they also managed to take from me in the unfortunate 19months that I allowed them to rob me? Is it acceptable for me to sign this and then in a few days start reclaiming the rest? Thankyou

hi I had a reply from BO dated 4th Aug saying that lloyds tsb have 8 weeks to respond to the letter from them.On 8th Aug I recieved a letter from Dawn BArlow at Colmore Row saying that as my complaint has been with them some time she would write with a detailed response within 2 weeks. That would be the 22nd Aug so am waiting to hear from her. I have been over my past statements and I have paid them £5,518 in charges over a 21 month period!!!!!! I will prepare my LBA and schedule of charges to be sent after Dawns reply. I have also sent off my SAR to Smile and recieved a letter of acknowledgement dated 15th Aug.