Newbie saying hi and asking a couple of questions

[aj101]

Hi everyone, I am new to this site and have, rather belatedly, checked through my statements from the middle of 2002 to now, and found that Lloyds have flinched me for £1552.

 

Am I too late to start the ball rolling in claiming this back? I hope not, as I have had to open a new account for my child benefit to go into as all the bank charges were leaving me with no money at the end of it. Well, I say open a new account, it is an account I have had with another bank for 7 years or so, and had forgotten about, as there was only a few pence in it and I had lost all the paperwork when I moved house.

 

The other question is, will it act in my favour if I tell them I will write off the overdraft interest thingumies, as seeing as it is £1552 in just charges, then this will do for me, I am not fussed about interest, and judging by some of the posts I have read with people trying to get ANYTHING out of lloyds, then I am going to be hard pushed to get this back as it is.

 

If anyone can give me any pointers in how to go about doing this, then I will be most grateful.

 

Thanks

 

AJ

[saintly_1]

Hi and welcome

 

I havent personally dealt with Lloyds but what you now need to do is send them this letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Use one of the spreadsheets from here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html to produce a schedule of charges I used the simple one an example of how to fill it in can be found here .

When you print out your schedule of charges dont include the last two columns.

 

Send this and the letter to Lloyds recordrd/registered delivery

 

Hope that helps

 

saint

[aj101]

Thanks for that Saint. I have saved those links into my favourite to read and sort out when I return from work and have got the 3 monsters into bed.

 

AJ

[aj101]

It would appear I miscalculated. My charges are actually £1752, as there is just over £200 due out on 3/3 in bank charges. I have included these into the SOC. I take it this means therefore, that I cannot file until at least 3/3???

 

AJ

[Michael Browne]

By the time you have sent the prelim and LBA letters, it will be past 3rd March.