Daliai VS LTSB

[Daliai]

I think just contacted my bank last week..went in person to ask for a 6 year statement..they called on Monday to say that there will be a £10 charge..which i agreed to and asked them how long it will take which they replied 2-3 weeks.

 

I didn't write them though..i went in to request them in person..was that wrong? shall i write them? or shall i just leave it untill i now get the statment?

 

if any one can shed some light ..would be great!

 

Cheers

[adamski]

No i don't think its wrong, i would do everything by letter myself, then you can keep an accurate record for court, if they have taken the £10 then i guess you should start your 40 day DPA countdown from that date.

I personally would not write if you have already paid, if they have not taken the money then i would consider writing with a £10 postal order or cheque send it recorded delivery and then you can track it on royal mails website with the tracking number you get when posting recorded delivery.

Regards

adamski

[Daliai]

Thanks for that.

 

I also have another question for you guys...what can you claim back from the following;

overseas transaction

O/D interest

return cheque

O/d excess fee

 

let me know guys?

 

cheers

[Daliai]

OOOHHH....here is a suprise...i just checked my account and £10 hasn't been taken out..so i called them and they have not recalled recieving that request..useless!!

 

i shall do it in writting now...can someone tell me where in the web site i can find the letter that i need to use as a template for me letter to them requesting 6 years of statements..ohh also is it 6 yrs to date?

 

Thanks Guys

Dalia

[reload]

Hi Daliai,

 

SAR letter is here. And yep, 6 years to date

[Daliai]

hey thanks for the link to the letter..i have just written the letter and i will post tonight? i dated the letter 3/7/06 so they have untill 11/8/06 to send me the statments..

 

what happens if they still don't send them? and knowing them..they will probably send the statements twice...and charge me twice?? what will happen then?

[adamski]

Daliai

Don't claim the overdraft interest!!!unless you know exactly what you are doing, you can only claim this if you can work out when the penalty charges made you overdrawn and claim on these times only, this is very hard to work out and unless you are claiming a large amount it really is not worth the time or stress as im sure like the rest of us you have plenty of stress but no CASH!!, and if you make a mistake im sure the solicitors can use this maybe against you im really not sure about all this maybe one of the site helpers or mods can help you or read it somewhere in the FAQs im not going to bother i just want what they have charged me im not greedy like they are.

As far as im am aware you can only claim back RETURNED D/Ds, OVERDRAFT EXCESS FEES, RETURNED STANDING ORDERS, BOUNCED CHEQUES.

Make sure you send your Data Protection Act recorded Delivery then there is no argument about whether it has been delivered or not.

Give them a call about 2-3 weeks after you have sent it and send it to the Swallow House, Birmingham Address which is found on this forum.

Regards

adamski

[Daliai]

hello thanks for that- that was gret help...

 

i did call them and now its on the way as recoreded delievery to them so i'll start timing them..

 

did you get your staements? what stage are you in at the moment?

 

Cheers

D

[adamski]

Hi

I recieved my statements on Wednesday 5th June, i sent my prelim of today recorded delivery, can't believe i am at stage 2!!

[Daliai]

Hey...i just received my statement and am now ready for stage 2 as well.

 

Where do i go on the system to fill it in..or what is stage 2..do you calculate on the sytem the charges or do you just send a letter..can you please advice..need HELP ((

[Bookworm]

Dalai, stop. Don't go any further until you have thoroughly read and understood the FAQs and the step-by-step.

 

The questions you're asking here are very basic ones, and clearly show you are rushing ahead with no idea of how to proceed.

 

This site is about self-empowerment. You don't need HELP, you need to help YOURSELF. And the answers are already there. You just need to look for them.

[Daliai]

I have read the FAQs and i still don't know where to find the spreadsheet to list my claims?? can any one help by guiding me where to find it?

[Daliai]

Do i calculate the charges manually or is there a place in the system that will calculate it for me. and if i do it my self ..shalli write it up on excel.

 

Why do i not add the interst now at this stage. and when can i calim that from them?

 

I'm nearly there now with my second stage..just can't find the correct forms in the library..

 

Cheers guys.

[BARTY]

Hi

There a couple of spreadsheets, one for Excel and one for Open Office in the "Bank Templates Library" section.

HTH

Barty

[Daliai]

Found it and filled it in..another question though..should i send the stage 2 letter recorded delivery? and should i also send to my branck or else where?

 

why should we claim the 8% interest yet?

D

[kotum45]

Daliai, I think you are rushing ahead. You serisoulsy need to read the step by step guide and the contents of the forum over and over again.

 

So far you have only received the statements thereofore you are not even at stage one. Once you calculate your charges (you don't need to use the spreadsheet for this, all you need is a calculator) you need to write the preliminary approach letter. This letter should not include the 8% statutory interest therefore at this point you don't need to use the spreadsheet. Just add the charges up and send the letter using the template.

 

You might end up ruining your claim if you don't do things properly and without understanding the whole process.

 

Please spare sometime and read all the info on the site.

[Janet-M]

I think you would be best reading this and then you will understand why people are constantly advising you to read the FAQ's , step by step guide and to stop jumping in to this .People are only concerned that you are not fully prepared and will end up making a mistake.

[Daliai]

OK i have read the FAQs over and over again !!!!! and my questions are actually not covered there..if you don't want to help answer my queries..please just simply don't even reply..as i find your replies RUDE!

[kotum45]

Daliai, nobody on this thread, I am sure, were intending to be rude. This site and people on here have helped hundereds of people and I was only trying to help you. Your questions are not relevant to your current progress so you may be about to do something wrong which might ruin your chances if being successful.

 

For instance the 8% interest that you are asking about only comes about in the later stages when you are filing your court papers.

 

Also you haven't sent them the preliminary approach letter yet so you must do that before thinking about the statutory interest.

 

I had no intention of being rude.

[Daliai]

Thank you for your message back. I was just getting fustruted by reading over and over again and not understanding a few things.. but you last message simply answered my queries..so thank you!

 

I have now sent the letter. will keep you posted.

 

Dalia

[Daliai]

I've emailed Llyods at Contact.us and the following response was sent to me..

Thank you for the e-mail.

I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB account.

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery. I have asked that he notes your comments and issues raised and arranges for a response be sent to you at the earliest opportunity.

In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've attached one to my e-mail. This tells you all you need to know about resolving your complaint with us.

Regards

Keith Boden

Lloyds TSB - Customer Service Recovery

Birmingham

[kotum45]

standard response to e-mails.

 

keep all your e-mails from Lloyds safe. you will shortly receive a letter refusing to refund the charges which means you can move to the next step. now sit back, relax and wait until they write to you.

don't let their responses affect you, they always say no until they realise you mean business. they will eventually pay.

[Daliai]

Thanks for your response..its nice to hear back from people..I'll keep you posted with my progress.

[Daliai]

I've sent the LBA to lloyds on Friday. and the below is the reponse I've had from them...

 

Thank you for the e-mail. I am sorry to learn that you have not as yet received a response to your previous e-mail. Under the circumstances I have passed your e-mail and attachments on to the case handler who previously dealt with your file for noting and for a response to be sent as a matter of urgency.

Regards and apologies again for the delay in getting back to you.

Keith Boden

Lloyds TSB - Customer Service Recovery

Birmingham

[Daliai]

I have finally received a letter from them saying basically that i couldn't get my money back ..and not to keep on bugging them..

 

it is a bit of a knok..although i knew they were going to say that from what i have already read on this site from other people's experiences..but i do feel no like they have won..but not if i can help it!! I do need to words of encourgement and some feedback from other memebers on how they felt when thgey got to this stage!!

 

Cheers all