I have a few queries that I am hoping someone can help me with please. I believe the next letter I should send is the LBA (letter 3 in the library templates folder). Is this correct as it seems pretty similiar to my previous letter? I sent the simple spreadsheet where the charges were listed and the interest was calcuated for me, this was included this with my original letter. I didnt really understand about the interest so I am wondering if I have done the right thing as reading through other threads, a lot seems to be based on whether this has been submitted correctly. Finally, can I add an amount onto the spreadsheet that was recently deducted from my bank account? If I can, do I have to highlight that I have done this in the LBA letter?

I have a few queries that I am hoping someone can help me with please. I believe the next letter I should send is the LBA (letter 3 in the library templates folder). Is this correct as it seems pretty similiar to my previous letter? I sent the simple spreadsheet where the charges were listed and the interest was calcuated for me, this was included this with my original letter. I didnt really understand about the interest so I am wondering if I have done the right thing as reading through other threads, a lot seems to be based on whether this has been submitted correctly. Finally, can I add an amount onto the spreadsheet that was recently deducted from my bank account? If I can, do I have to highlight that I have done this in the LBA letter?

Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons: "You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations" :idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB? I had started this thread in the wrong place - hopefully I am now in the correct place for a claim against TSB. The above question has just been answered and I am going to press ahead with the next letter giving them 14 more days before I proceed with a request for a court date. WATCH THIS SPACE

I would put in the TSB thread if i could work out how to do it!

Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons: "You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations" :idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB?

I have been trying to do that but i dont understand how to do it. Can you help me please?

Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons: "You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations" :idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB?

Can anyone help me please - I have received the RFI so am I about to send them the 2nd letter asking for the refund of my charges. Do I attach the spreadsheet with this letter? If yes, should I use the simple or advanced version. Also, on my statements it details overdraft interest, should this be added to my request for a refund? Please help, I am anxious not to make a mistake with this.

Today I have received my RFI back from the bank which I believed was supposed to be detailing the last 6 years of charges. The charges have been listed from 03/09/01 - 02/10/06 as a list but from 27/06/00-03/09/01 they have given me the full statements which show the charges. Can I still use those statements as proof of my charges? I am slightly confused because back in 00/01 I appear to have only been charged £5 overdraft usage fee for some of the the months - can I still claim this back?

Well thats up to you really. If you are thinking of trying to claim back any charges your bank has debited from you, its probably wise to open up a new account elsewhere, just in case your bank decide to close your account when they realise what you are trying to do. That hasnt happened to me yet, but I have read about it happening to a few people.

I havent changed banks, in fact they are still charging my account! If by SAR you mean the first letter asking them to provide all charges made from the past 6 years - then yes i have just sent that to them and they should be sending the list of charges to me within the next 10 days.

I rang the bank today, they confirmed they had received my authorisation to debit the £10 from my account. They advised that the letter notifying me of all the charges will be sent to me within the next 10 days and that once it was sent, the £10 would be debited.

But their letter to me stated that i should sign the attached letter to give permission to debit £10 from my account - which is what i did but to date it has not been debited

Hi There I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

Hi There I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?