Hi Action group people**won pre OFT**

[Missmarcy]

My names Marcy

 

I heard about the consumer action group from the moneybox programme on BBC radio 4. Over the years I have been unimpressed by the huge charges my bank LloydsTSB has put to me. But I hope to change that. Thanks to CAG & your help.

 

Thanks

[dolly]

Hi Marcy

 

Welcome aboard and good luck - have a good read through the forum; there is a great FAQ's section and a step-by-step guide to claiming your bank charges back.

 

When you are ready, post in the Lloyds TSB section where you will get lots of help and support.

 

[Missmarcy]

July 2006

This is a warning to everyone. DO YOUR HOMEWORK!! Instead of a greedy rush to get my hands on my money back. (I've already spent the money in my mind) I read the CAG website properly, made notes & set up a new current account (this is what I am doing at the moment). When I have set up a new account will get all my bank statements from 1984.

After a drink with my sister, she pointed out that I would need to open an new account with a bank NOT connected with L-TSB & eventually the banks will close ranks & LOWER their charges to stop "all this carry on". Always the voice of reason my sister!

[Missmarcy]

August 2006

Lloyds TSB reported half-year pre-tax profits of £1.78billion yesterday. The bank said the four per cent gain was in line with expectations. It came after a cost-cutting exercise that helped the group overcome a 20 per cent rise in provisions to cover bad debts. Chief executive Eric Daniels said: "We have made a good start to 2006".

03/08/06 - Metro newspaper.

I set up a new current account with Nationwide. I had to find another one & because of my bad debts Halifax rejected my application. Nationwide were the only ones to offer an account with a basic plastic card NOT visa. Got all my direct debits & pay moved. I wrote to LTSB for my bank statements to the London address registered post. P Berryman – Snr Mgr, Data Protection Dept, LloydsTSB, The Pentagon, 48 Chiswell St, London on 07/08/06 by registered post.

September 2006

Waiting, waiting, waited. In less than the forty days statements turned up on 05/09/06, but not all of them. Only up to 2000, I opened the account in 1984. I know The Data Protection Act was in 1998, but I wanted them all! It's disconcerting to look at your life through four years of statements. Spent some time with a highlighter on my statements. The total came to £1,096.01. I posted the prelim letter on 14/09/06.

Received letter dated 20 Sep from Sian Scrase – Customer services Officer

"Thank you for getting in touch with us. I am Sorry you are unhappy over your account charges. Like any busineess we do make a charge for some extra services… then she went on to say "We don't agree with OFT" Office of Fair Trading…. then they just enclosed a How to voice your concerns booklet.

October 2006

I posted Letter Before Action letter on 02/10/06.

Received letter dated 06 Oct from Sian Scrase – Customer services Officer

"Thank you for your letter dated 02 Oct. I have noted your comments, but unfortunaltely I cannot add any further info to my previous letters or agree to your request. Since the bank's final response has been issued, I must advise you that we will not be entering into any further correspondence regarding the points you have raised".

[Missmarcy]

November 2006

Next move-see ya in Court then! (pls note anyone reading this thread, that its a bit out of date. Here is a happy ending so I'll update it tomorrow).

[Missmarcy]

November 2006 cont.

Did some homework on starting a small claims case. Read up on the books in the local library. Had no spare cash for the Court fees, and a lot of personal problems, so it’s on hold.

December 2006

Still on hold, due to the expense of Christmas

January 2007

Still on hold, due to the expense of Christmas

February 2007

Still on hold, due to personal problems, and no money

March 2007

Sent another letter before action dated 05/03/07 to Lloyds TSB. Issued court papers, used a N1 form and used a Lloyds TSB cheque to pay the court fee £120.00. Courts wrote to me on 23/03/07 informing me that Lloyds TSB had filed a Defence.

April 2007

05/04/07 filled in an Allocation Questionnaire (paid £100) N149. S, C&M (Lloyds TSB’s solicitors) wrote to me on 05/04/07. The main point of their letter was that they would put the amount requested into my account; just sign & the form & it will all go away. Is it a trick? Didn’t sign & return the form.

May 2007

12/05/07 S, C& M wrote to me again. They said they hadn’t heard from me & took the step of putting it into my account anyway!!! Total claim: £1485.60 got £1485.60. will be giving CAG £74.28, 5% of the money.

******* I’VE WON ******

Wrote to S,C&M, again the letter was marked “strictly without prejudice, confidential and Privileged” saying that if they hadn’t received my letter before heres a copy. Also, I am advising the County Court that my claim has been settled. However I will be submitting an order for wasted costs against Lloyds TSB Bank plc.

Sent An Order for Costs against Lloyds TSB on 16/05/07. Total of £150 for all the letters; the fee for the Allocation Questionnaire and my time.

List of stuff used/my time:

Data protection letter posted £0.34 first class stamp £10.00 charge for data request. Preliminary letter posted £0.34 first class stamp

Letter before action letter posted £0.34 first class stamp

Court form posted £0.34 first class stamp

Allocation Questionnaire posted £0.34 first class stamp £100 fee

Letter to Lloyds TSB solicitors posted £0.34 first class stamp

Letter to Lloyds TSB solicitors again posted £0.34 first class stamp

Time spent on preparing case 3 hours at £10.00 an hour total £30.00

Grand total £142.38

Lloyds TSB wrote to me to inform me that they had “resolved the complaint”.

June 2007

Got a letter from the Judge saying NO to the Order for Costs. His tone was you got what you asked for.

THE END

[livelylad]

Congratulations on your win. Shame about the wated costs though.

[BARTY]

Congratulations!! :D

Barty:)