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Business and Personal Accounts


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Hello Fellow Fighters!

Iv'e read thru forums,faqs etc but I'm still confused. I've asked for and received the listings of charges for my small business account and my personal account but which letters do I now send to request a refund for both accounts and where do I send them to? I wrote to London for the lists of charges but do I go back to them or Birmingham or, Heaven forbid, my branch? Where can I find the letters on this forum? Also, can I claim back the overdraft interest charges, the overdraft excess fees, unauthorised borrowing fees and the monthly account chargs. It's not that I am beeing greedy, it's just as I want to get everything right. Thanks for your anticipated help.:confused:

Bobo

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Hi again Bob :)

 

Myself, I sent all correspondence (Including the moneyclaim filing) to the Colmore Row address in Birmingham for my personal account. I obviously can't say for sure with your business account, but at a guess I'd say London would be your best bet for that.

 

I'd recommend you keep the two claims seperate as it saves confusing issues over different areas of consumer and contract law, as I believe there are seperate guidelines for both?

 

In terms of the template letters - the Bank Templates Library is the place to go. There are sample letters for both consumer and business types.

 

As mentioned in the other thread, you can claim back the o/d interest only on unlawful charges, and you cannot claim back your monthly account charge - as they are providing you with a service, after all. The overdraft excess fees, and returned d/d fees are however applicable.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I'll be persuing business and personal account charges so will be watching your thread. If i find any info which might be relevant i'll be sure to pass it on.

 

Good luck!

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hi there,

 

i've contacted the bank claiming for both personal and business accounts as I thought being self employed they would count as one and the same.

 

i had understood the 'business claim' meaning a limited company or other legal entity.

 

oh golly I hope i'm right or they've got me on one already!

 

i'm putting together my claim for the court now as they've refused my demands for repayment.

 

it's proving more difficult than I thought as I can't seem to find the help on filling out this form on the site. Perhaps someone here can help me?

 

Good look with our claims

 

regards,

 

lee

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