Gemric v Lloyds TSB

[Gemric]

Hi

 

Have sent DPA letter to Lloyds, just starting on, what seems to be, the long road to fighting the big boys for what I am entitled to.

 

Any advice would be appreciated. In the meantime I have many more companies to approach.

[Janet-M]

What advice are you looking for ? if you read the FAQ's , step by step guide and the long threads where bank charges have been settled / won will give you all the information you should need .If you get stuck just post in this thread and let us know.

[Gemric]

Have received my statements from Lloyds ( amazingly before my request for them was even received by Lloyds, according to the Post Office track & trace). Anyway it seems I have just over £1000 to claim back, so here goes, will be preparing next letter tomorrow.

 

I would be grateful for some advice on the best method of contacting Lloyds; email, recorded delivery or straigh to my branch.

[Michael Browne]

Customer Care,

Lloyds TSB,

125 Colmore Row,

Birmingham

B3 3SF.

 

1st class post is fine or RD if you want peace of mind.

[Gemric]

Prelim letter sent recorded delivery to Lloyds today with spreadsheet attached. So as I see it my first deadline is about the 5th October at which point I will send my letter before action.

I am feeling a little nervous now, but getting lots of inspiration from reading all the threads and I am sure I will be able to muddle through. The thought of eventually having just over £1000 in my back pocket is helping to keep me motivated, not to mention the great feeling I am sure comes with getting one over on Lloyds !!

[Gemric]

Prelim letter was delivered to Lloyds today, the clock has started ticking.

 

From what I have read here they wont pay up without a fight, which is costing them more money, but that suits me.

[GaryH]

Yeah, your right, they do kick and scream a bit. Its all bluster and bulls**t though, just a feeble attempt to intimidate you, so take no notice and stand your ground and you'll get whats legally yours soon enough. Just think of it as if your moneys in a savings account. At 8%APR its a damn good one too!

[Gemric]

Can anyone help me. I read somewhere yesterday that any "overdraft usage fees" should not be included. I have found several of these on my statements over the last 6 years and they are for £25 each. I assumed that they were to be included and so I did.

 

Would be grateful of any help. Thanks

[GaryH]

Yes, I think these are default charges, so they are re-claimable. My LTSB account never had an overdraft though, so I'm not 100% sure - hopefully someone else can confirm.

[Gemric]

I have received the standard reply from Lloyds but from the collections centre in Andover.

 

LBA prepared today ready to go recorded delivery on Monday.

 

Have been very busy reading loads of threads feels like my heads gonna explode, so much info but its great and very inspirational to read.

 

Good Luck to everyone and keep up the good work!!

 

Gem

[Gemric]

I have received the usually response from Lloyds so I am pushing on with the next step. N1 almost ready.

I just have one question..........When I started with the prelim my charges went back to Sept 2000, can I still include these charges as they are now over 6 years old or is it essential to now only go back as far as late October 2000.

 

Any help gratefully received.

 

Gem

[Michael Browne]

The 6 years date from when you 1st became aware of the unlawful charges and contacted the bank ie DPA letter if sent otherwise your prelim letter.

[Gemric]

That`s great. I can include some charges that I had knocked off.

Thanks!

[Gemric]

N1 form now complete and ready to go Friday morning, I am actually quite proud of it, in fact its stunning, bring it on !! until the next bit when i am sure I will crumble again.

 

Could not have done it with out all the wonderful advice on here ( would not have even contemplated it), Thanks.

[Gemric]

Hello, I hope everyone had a good Christmas & new year.

 

I am affraid I have not yet been in a position to submit my court papers, but I am now ready to do so, with renewed enthusiasm, just a couple of queries first.

 

Having completed the form back in October I was wondering whether any new issues had come to light, Is there anything I need to add? I have been reading the threads and cant see anything, but would just like some reassurance, I feel a little out of touch at the mo. I shall continue to read as many threads as possible.

 

Do I need to send another letter before action because of the delay?

 

I would really appreciate any assistance. Thanks

[GaryH]

Hi Gemric - welcome back!

 

Just go ahead and file it. A couple of months delay won't do any harm. I suppose you could re-issue the LBA if you wanted too, but its not essential.