Thomo V LTSB

[saorisis]

Morning all.

 

Top site etc. I am taking advice and starting a thread with my actions to date and intentions.

 

Sent the standard letter, fees unlawful, please repay them and supply me with statements etc. Included below:

 

"

Further to our telephone conversation today I would like to request the following information from you:

· A complete list of all charges made against me in the last 6 years from the date of this letter. Information should include what each charge was made for, exact wording please, what date the charge was made and the value of each charge.

It is my understanding that these charges are not lawful. As such I request the full refund of all unlawful charges including 8% APR interest as allowed by the County Courts Act (1984).

I look forward to your earliest response.

Best regards"

Standard letter back. You agreed to us bending you over when you signed and you have until 16th August to respond. They did send me the statements though.

 

Following up today with the 14 days or court chum. Have also included a spreadsheet of charges, dates, costs etc. Have not included any interest, only charges in full. This is below:

 

 

"Thank you for your response to my letter dated 6th June 2006.

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 charged me £1981.00 in direct debt refusals, overdraft excess fees, refused cheques etc. I have explicitly excluded any interest charged to my account in this total. I am enclosing a copy of the schedule of the charges which I am claiming.

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

Yours faithfully,"

 

Will keep this thread up to date through to the end. I will certainly go to court if it comes to this. There is no point in bluffing as it seems that Lloyds will always call it.

 

Good luck to the rest of you going at Lloyds.

 

Thomo

[saorisis]

So, as expected and reported by everyone else, Lloyds sent the first letter, sorry you are still unhappy, will have someone look into it. This reply can fast, 2 days after I sent the letter before action. It took them another 10 days before they sent be the sorry but you knew about the charges so it is your own fault letter.

 

I have now filled my court claim, if I can I will attach it as I have it in pdf. Can this be done? Any help with this would be apreciated.

 

I have also bought the small claims procedure: Practical guide which is a very good book.

 

I see my next two steps as being, prepare for court and prepare for negotiation. I have no intention of negotiating on the values but wish to be ready for the phone call.

 

I filled my claim using the money claim web site. A good site but oh so slow! By filling it this way I have not been able to include a schedule of charges and interest. Should I be providing this now or will this be covered in the questionaire that follows?

 

Final question, I have my case number. I remember reading that the administors would like to keep a record of the claims ongoing. Who do I send this to and do I do via PM?

 

Thanks for the help and keep up the good fight!