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xla6006
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OK well im 21, i banked with Lloyds for just over a year. Everything was fine until i cashed a cheque. They managed to loose the cheque without telling me and susbquantly charged me £235 in charges for a number of rejected direct debits and bounced cheques. A couple of companies then additionally charged me for sending bounced cheques also, which left me financially struck for a couple of months. Lloyds tried to cover up there mistake and refused to wave the charges. to which i closed my account, in September 2006. Is there anyway i can now claim for the charges even though my account has been closed for so long? grr i hate this company so much!

Please share ur views! :mad:

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Of course there is you start your claim immediately (although there may be a small delay due to the pending test case verdict). Do you have all your statements if so go straight to Preliminary request for repayment letter here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

keep us posted

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I hate loyds too... they have a horrible new charges system in place now... which gets you even more battered and bruised if you go overdrawn.

 

Good luck with claiming... there are lots of clever people on here that can help you on your way.

 

First thing first is to make a spread sheet up with all the charges. have you still got your old statements?? If not you will need to request them from your old bank.

Moodle

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Can you prove you banked the cheque?

If you can you should have no trouble.

Perhaps through small claims court?

Not an expert just an idea....

Good luck - theres no point in writing to them as they only ignore you even if sent recorded delivery - hence I suggest small claims court.

Make sure you have all your paperwork to back up your claim re all charges from Lloyds and other companies.

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theres no point in writing to them as they only ignore you even if sent recorded delivery - hence I suggest small claims court.

 

To issue a court claim without first asking for a refund of the charges is NOT to be recommended - should it ever get in front of a judge he would take a very dim view on that sort of behaviour

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