hi all,i got this letter on saturday,i thought it was a bit weird? because i thought i would not hear back from the bank after my LBA, till i took them to court...what do you think? Lloyds TSB Bank Pic Andover Service Recovery Centre Charlton Place Andover Hampshire SP10 1RE Telephone : 01264834307 Facsimile : 01264834091 Mr V Stewart Edinburgh Midlothian 21 March 2007 Our Ref: CSRC - Andover / 78295 Lloyds TSB Dear Mr Stewart Complaint Reference: 78295 I am just writing to let you know that we have received your complaint - and to say how sorry I am to learn that you feel you have cause to complain. Please get in touch if we've misunderstood your concerns or if you have some more information you want us to have. If we don't hear back from you in the next couple of days, we will carry on with our investigation using the information you've already provided. We expect our enquiries to be completed within the next four weeks but we will try to get our response to you sooner if we can. If there's a delay, we will let you know why and we'll give you an idea of when you can expect to receive a full response to your complaint. I hope we can sort things out for you. In the meantime attached to this letter is a document called 'Voicing your concerns'. This tells you all you need to know about resolving your complaint with us. Yours sincerely Kerry Parfitt Customer Services Recovery Enclosure :- 'Voicing your concerns' PS.i got the letter 14/04/07 and its dated 21/03/07

can some one tell me how to scan a letter to post in hear,thanks its driving me NUTS!

no probs GaryH,all help welcome m8.

hi all,I went up to the court today to ask about a small/summery claim,the guy tolled me that if i make a small claim and i lose it will cost me £75 and if i make a summery claim (cause its over £750)and i lose the cost is unlimited,so say i lost the cost of there lawyer,paper work,etc etc:eek:

hi all,do you think i should use our complaints procedure and how to complain for my claim,i dont fancy going down to england,cause ive read if they defend the claim i will have to go down to a english court. ps.if i try a summery case,and i lose how much under a summery will i have to pay the bank in court costs.thanks

thanks barty,see if i use the London reg office will i have to send my claim to a court in london,http://www.hmcourts-service.gov.uk/HMCSCourtFinder/Search.do when the bank looks at my address they will see its in Edinburgh,Scotland,iam thinking they will defend the case,knowing its to far to travel...what do you think ?. thanks. ps.the link will not show the address: The Royal Courts of Justice, Strand, London WC2A 2LL England

thanks robertxc,ive downloaded the N1 form,the address they sent after my LBA is Lloyds TSB Bank Pic Andover Service Recovery Centre Charlton Place Andover Hampshire SP101RE think it will be ok to use that one.thanks ps. will it have to be a court in hampshire?and when it goes to court pls tell me i wont have to go down there.

thanks barty,will have a look at it later go to go to work. thanks

thanks barty,when they ask for court bundle,is that all the letters and bank statments ive sent, plus bank letters ive recived ? thanks

hi all, is this just a standard letter after i sent my LBA ? my 14 days are up on thursday 29th Lloyds TSB Lloyds TSB Bank Pic Andover Service Recovery Centre Charlton Place Andover Hampshire SP101RE Telephone : 01264834307 Facsimile : 01264834091 Mr V Stewart Edinburgh Midlothian 21 March 2007 Our Ret: CSRC - Andover / 78295 Dear Mr Stewart Complaint Reference: 78295 I am just writing to let you know that we have received your complaint - and to say how sorry I am to learn that you feel you have cause to complain. Please get in touch if we've misunderstood your concerns or if you have some more information you want us to have. If we don't hear back from you in the next couple of days, we will carry on with our investigation using the information you've already provided. We expect our enquiries to be completed within the next four weeks but we will try to get our response to you sooner if we can. If there's a delay, we will let you know why and we'll give you an idea of when you can expect to receive a full response to your complaint. I hope we can sort things out for you. In the meantime attached to this letter is a document called 'Voicing your concerns'. This tells you all you need to know about resolving your complaint with us. Yours sincerely Kerry Parfitt Customer Services Recovery Enclosure :- 'Voicing your concerns' --------------- second part of letter ------------------------------- Lloyds TSB Voicing your concerns Telling us that there's a problem Thank you for contacting us. We genuinely want to hear from you if you have a complaint or suggestion. It helps us understand what you're concerned about and how you feel we could put it right. Our promise Now that you have contacted us, we will: Do our best to send you a full response within eight weeks of you first raising your concerns with us. Update you on our progress after 4 and 8 weeks if no decision has been reached at that point Explain the options open to you if you remain dissatisfied or if we haven't responded fully within eight weeks. What to do if you're still unhappy If we have sent you a response and you remain unhappy, please let us know as soon as possible. If you have additional relevant information we will be happy to review your complaint further. The Financial Ombudsman Service If you don't feel we have resolved your complaint satisfactorily, you have the right to ask the Financial Ombudsman Service to review it. But they will only do so after you have tried to resolve it directly with us first. The Financial Ombudsman Service is the independent service for resolving disputes between UK financial firms and their customers. They can help you with most personal financial issues and there's no charge for using their service. You can find out more by visiting their website at Financial Ombudsman Service Our promise When we write to you with our final response, we will also explain your right to take your complaint to the Financial Ombudsman Service, if you wish. Our letter will give you all their contact details. We will also give you information about your complaint to help you put your case to the Ombudsman, if that's what you decide.

thanks curlychic , I was looking at the court claim bit,About small claims,Iam claiming £970 with out intrest,is there a bit about i think its called a summery claim for charges ? thanks

hi all,well thats my LBA letter sent of today,Ive got 14days to work out what i need for my court case,I take it its just my letters ive sent to the bank plus a copy of my bank statements will have to read up on this.thanks all ps. all help welcome! thanks.

i got a ticket 12/12/06 at 14:28 i was in a taxi rank single yellow line was in the bank 2-3 min bank rec dated 12/12/06 thats 5 min it has *issue date 12/12/06* was seen at location ********* on 12/12/06 code 01 parked in a restricted street during prescribed hours,ive appealed it "its a old central parking systems ticket not ncp*(scotland) hi all,ive just had a letter back,date of issue of this notice 21/02/2007,ive only got 28 days to pay,its now £60 i thought it was suspended during a appeal and i only had £30 to pay? thanks

thanks for your response,ta

thanks barty;) ps.i was reading your threads barty,whats this moneyclaim site? will i need a lawyer?

hi all, just got this letter from the bank,is this just a standerd one ? thanks DATED 27 FEB 2007 dear mr .... thank you for getting in touch with us.i am sorry you are unhappy about your account charges. like any business,we do make a charge for some of our extra services.when customers dont have enough in their accounts to cover a payment,this always means extra work-and it has to happen very quickly.we have to agree to make the payment by setting up or increasing an overdraft,or tell customers we cant agree it.we feel its fair to charge for this service. of course its only fair too,that were completely open about any charged-for services before you take them up.thats why we take care to give every new customer the latest guide to our charges.you can also get up-to-date details about fees and borrowing rates at all our branches,through our helpline and on our website. just as importantly,we do everything we can to help our customers avoid these charges altogether.iam sure youll know how easy it is to keep a running check on how much is in your account.youre free to get an up-to-date balance at any of our cash machines,over the phone,on line and by weekly text to your mobile.if you know a payment is going to take you over the limit weve agreed,youre welcome to see if we can raise it-and we can usually give you an answer straight away.again we can do that for you by phone,on line or at any of our branches. i do hope you can see that we make our charging system as fair as possible-and why i cant agree to cancel your charges. please let me know if there is anything else i can do. if we cannot come to an agreed solution after this i will help you refer your complaint to the financial ombubsman service for independent advice. if you are happy with the way i have dealt with your complaint,there is no need to reply to my letter.if i have not heard back from you by the 24/04/2007,i will close my file,though i will be happy to reopen it should you come back at any point afterwards. debbie gilbert team manager customer service recovery center andover tel:01264 832297

sorry ladybird,I got my statments *online banking* see post7,due to working nights not got a lot of time to go to the bank,but i got my statement stuff from the bank on friday 16/02/07,will have to go throught it all soon. thanks

hi all,when i was at the bank,i asked the girl if i could have the department that is dealing with the claims phone number,no number,no e-mail address, weird, all i got was a address,thinking of writing to them for a number/e-mail.what do you think? Lloyds TSB 3rd floor Sussex house 1-9 Sussex sweet Brighton BN1 4BE

hi all,well thats my 40days up,did not get statements from my bank,so ive worked out my payments from online,so iam of to the bank with my second letter (2. Letter - Preliminary approach for repayment) ive added £10 data protection fee,ive not botherd with the intrest charges(to heed nipping) lol i just hope ive got it right! ps.ive added my schedule of charges.

U THE MAN ! this was a good thread to follow,nice one m8 http://www.consumeractiongroup.co.uk/forum/lloyds-bank/56392-vaughan94-lloyds.html?highlight=vaughan94

hi liam is it not called freedom of information act (scotland) http://www.scotland.gov.uk/Topics/Government/FOI

hi can some one tell me how to print templates (letter preliminary approach) iam yousing openoffice,cant seem to get it all to fit on one sheet,ive tryed every thing it just prints most of it on first sheet then the last bit on second sheet,HELP. THANKS ps. ive ive done it in notepad,font size 8.think that will be ok ?

Thanks barty

hi liam, ive put my first letter in (data protection) iam following yours m8,good luck;) . dont disapear when get payed out! lol will be looking out for you(help)http://www.consumeractiongroup.co.uk/forum/lloyds-bank/56392-vaughan94-lloyds.html

Thanks barty, but what are so charges? sorry cant think need my bed,tired m8 working nights is a killer.