This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

thank you very much for your post, when i send the letter to the bank should i include the 8% interest charge?

Im in a very confused situation so any help would greatfully appreciated to continue my claim against lloyds. I followed all the proceadures as laid down to the piont where i sent the LBA in MAY, however i forgot to send a schedule of charges incurred. I recieved a NO letter from lloyds and have not had the money to persue the claim any futher untill now, i have not had any communication with the bank other than from thier collection dept trying to recover an overdraft that is a third of what they owe me. It is now 3 months on so what i need to Know is what do i do to continue with my claim or do i have to start from sratch. Any advice would be great. Jack

What can i do to get back on track? Every time i get the money together to file a claim something always has to be paid. i am now in a position to file a claim but i think i may have missed the boat. I sent my letter before action early May but did not send a schedule with it, that was the last communication i had with Lloyds, it is now August can i continue with this claim? if so what do i need to do 2k is a lot to lose or have i already lost it. Jack

Thanks Mechs... Now got all the ammo i need to fight the battle, here goes money claim. Jack

Im in the same boat as feralkat, i have been working away but before i left i had been through all the stages to the point of sending the LBA on the 17 may, had the reply saying final word to refund NO, also mis calculated asked for 90 pounds less than it should have been that is just on charges. I have not communicated with the bank other than the standard letters sent, was this the right thing to do?. I have now filled in the spreadsheet for charges and interest at 8%, should i send the bank a copy of this with a covering letter informing them that this is the amount to date that i am claiming through the County Court?. Moneyclaim is where it get very confusing claiming interest, 1. The date that money became owed to me. is this the first entry date on the spreadsheet? 2. What is the date of issuing claim? is it the date you submit it on the net or the date the bank should recieve it?. 3. Moneyclaim also states enter the daily rate of interest, what is it?. Hope someone can help me i will be most greatful to the sum of 5% to this great site. Jack

Thanks Nnelson.

Been working abroard, now back . Still no response from abbey wife sent off all relevent letters gone well over the 40 days and given them more. Rang information commission on thursday sending me a pack. Question. Can i pick up where i left off even though there is a gap of about 6 weeks from my last letter informing them that i was going to apply to the county court to enforce them to comply with the dpa request. many thanks... Jack

Abbey have until 27th of May to respond to statements request. Today they sent only one years worth of statements instead of six, all in individual envelopes and no covering letters. (Another tree gone from rainforests) What do I do now? On another interesting note, looking through documents the other day. I came across a copy of Abbeys terms and conditions reading through in order to fulfill our promise to you, we'll quote tell you how we'll notify you of changes to terms and conditions, interest and charges. Explain any penalties that might be applied to your account when notice or terms are broken

On the 18/4 sent DPA letter and recieved statements 5 days later. Then sent request for payment on 3/5 recieved the usual reply back on the 6/5. I have waited 14 days can i now send LBA letter. What has confused me is that they sent the statements so quickly. Jack

Many thanks HD, what about o/d useage fee are they legit or not?. Jack

I have recieved the information i requested from lloyds yesturday and i am now working out what they owe me. Having looked at the prelim letter it says charges plus interest, now my question is when it states EG: CHG O/Draft INTEREST X.00DR am i trying to claim all those back? or is part of the interest charge legit on the banks side for the useage of the O/D if this is the case can anyone explain how to work out who's is who's?. Many thanks Jack

Dont be scared we are all in this together defending our rights, after all you are only askingfor what is rightfully yours. Keep us posted

My wife has a Lloyds credit card. she has just recieved a letter from the collections dept informing her that she is over her credit limit, this i know is all due to charges imposed on her. They also outline charges that will be applied if the account remains out of order ie 1. Spending more than credit limit, 20 pounds. ( What they realy mean is going over your credit limit due to punitive charges ).2.Payment not recieved by the date shown on statement 20 pounds. What does concern her is the last paragraph. Quote- As you are aware,the T&C relating to the Credit Card Agreement authorise us to transfer balances held in any current or savings account you hold with us or Lloyds TSB Scotland to pay off overdue sums of your credit card account. Can they just dip into my current account?. Also can anyone give me a name and address to send a DPA letter, or do i send it to the Collections Centre?.

No. but i will in 40 days time. Her in doors said about 1K, i just laughed. I think she will be in for a shock. Will let you Know. Jack..

I have studied this great site over the last 2 weeks and i have now taken that leap into the unknown and prepared to go all the way, the playground bullies will no longer take my families dinner money. Sent DPA today to LLoyds and ABBEY registered delivery. Best look to everybody....... ------------------------------------------- 1st letter sent DPA 18/4/06 Lloyds Rec Del 1st letter sent DPA 18/4/06 Abbey Rec Del DPA request arrived from lloyds 29/4/06 sent request for payment to lloyds 3/5/06 rec del Recieved standard letter from lloyds regarding request for payment 06/05/06 Send LBA 16/05/06