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You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

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lynzpower

Newbie here, but want my money back!

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Come on lynze,

 

We need to try to do this properly, the relevant letters should be sent in the relevent orders before the BANKS think we are all a BIG FAT JOKE. All the relevant information to get it RIGHT are on this site.

Can people please be patient and read the FAQ and not make a mess of the claim for other people as I do not think the BANKS will just seat down and let us plunder thier ill gotten GAINS sooner or later a sort of DEFENCE my arise from the banks. But before then, the least we can all do is get it RIGHT at least!!

 

I have read all the information, but actually I got mistaken between the letters. I have consistently read all the information here, and SO sorry, but I f**cked up.

 

I do realise the importance of this thank you again for pointing it out, which is why I asked the question "does it matter"

 

So, what do I do next? Leave it? Pursue but in a different way? What, I really dont know what to do for the best here.

 

lynz

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Can you cut and paste your letter to the bank so we can see what you've written.

 

C x


HSBC - full refund = £647

Capital One - full refund of £220 + court costs + interest

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Customer Care,

Lloyds TSB,

125 Colmore Row,

Birmingham

B3 3SF.

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: *****

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £1107.00

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

 

I look forward to hearing from you soon

 

Yours sincerely

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Well initially, right at the beginning of all this - we were advised to only send the above letter anyways. It has only been more recent to include the prelim. letter, mainly so that you can show that you have given the bank plenty of time to respond and therefore you have been very reasonable in attempting to reclaim the charges.

 

I would, as Tinkerbelle, said previously, send them a final letter before action and give them a deadline to respond by - 14 or 7 days (I'd give them 14) and make it clear if they have not refunded you in full by the close of business on the 14th day you will begin a claim the very next day and without further notice.

If they have not done as you request then you do exactly what you tell them you will do in your letter.

 

You haven't messed up so don't worry. hope this helps.


HSBC - full refund = £647

Capital One - full refund of £220 + court costs + interest

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Also, it's up to you - but if the initial 14 days are not up yet then might want to wait until the 14th day before making your next move.

 

I have personally in my cases written back as soon as I have a response from the banks concerned, but i understand that some people do give them the stated time frame before replying. So, if you got the response on the 6th day say, then you might want to wait for the 14th day before responding yourself.


HSBC - full refund = £647

Capital One - full refund of £220 + court costs + interest

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can someone give me an idea as to what to put in the "particulars of claim" bit on the money claim webiste :confused:

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Check the library - its all there

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I looked though, couldnt find it :confused:

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theres a hard copy one but its too big for the moneyclaim box on the website

 

ANyone??

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http://www.consumeractiongroup.co.uk/forum/showthread.php?t=634

 

Think that's possibly the one you need lynz?


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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your a treasure

 

many thanks & good luck with your claim x

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Have you submitted your form to them lynzpower???

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Ok, new letter recieved from Mr Just, saying, if your not happy take it to the ombudsman. Erm no, Im taking yo ass to court my freinds

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Merged 4 threads on your action against Lloyds.

 

Please keep to one thread.


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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thanks for merging MOds :)

 

I have recieved Notice that Service has been filed with Lloyds entering a defence

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This topic was closed on 03/06/19.

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

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5141 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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