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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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my friend claim her charges back against Lloyds


craigten
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Hello,

 

I'm wondering if anyone can help me, i'm currently trying to help my friend claim her charges back against Lloyds but i'm unsure about some of the charges made to her account and whether these can be claimed for.

 

These are:

* Overdraft Excess Fees

 

* Unpaid Standing Order

 

* Unpaid Direct Debit

 

* Unpaid Overdraft Fee

 

Is she able to claim all of these back?

I would be grateful for anyone's help!

Thanks :)

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  • 3 weeks later...

Hello

I am currently helping my friend reclaim her bank charges from Lloyds and i am using the very helpful template from this site.

 

I'm just putting in the total for the claim and have got to this part:

 

"I calculate that you have taken £XXXXX plus a further £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter."

 

Would it be ok to leave out the part about charging overdraft interest and just put the total of charges or will this affect the claim?

 

I appreciate anyone's help on this!!

 

Thank you

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Hi,

 

Are you claiming any Interest ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Just delete the 'overdraft' bit ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, im so sorry to bother you again, can i just confirm that i should ask for interest along with the charges back in my prelim letter? I wasn't sure whether i had to delay asking for the interest until the LBA??

Please reply as soon as you can!

Much appreciated-C

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Hi,

 

Now I think about it, I did not ask for Interest until I filed at court, don't think there would be a problem asking for it in your LBA.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 5 months later...

Hi everybody/anybody, please can i have a bit if advice?

I am trying to help my friend claim some credit card charges back from those lovely people at Lloyds TSB, i have his statements, is the correct advice just to send them a preliminary request for repayment of all the charges...and then later on down the line sort out the interest etc?

Please get back to me asap!

Thank you-Craigten

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if you want them to rip you off yes!

 

if not do it properly...

 

you charge them interest at their purchase rate from the date of the charge to the date of your claim.

thats for EACH charge on each date.

 

stick that on a spreadsheet and attach it to you reclaim letter.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thanks for that!

Is there a s/s on here to enable me to do this please?

And do i just edit a prelim letter to claim credit card charges (as opposed to bank charges) and where do i include something to explain the interest too?

 

Hi, thanks for that!

Is there a s/s on here to enable me to do this please?

And do i just edit a prelim letter to claim credit card charges (as opposed to bank charges) and where do i include something to explain the interest too?

 

Hello?

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Card Services

Department Account Services

1-5 Queens Road Quadrant

Brighton BN1 3XJ

 

Dear Sir or Madam,

 

Account number: xxxxxxxxxxxxxxxx

I am writing to request that you repay all the late payment fees and/or over limit fees that have been applied to my account.

 

I do not believe the charges reflect the true cost to Lloyds TSB and are unfair and disproportionate. I am therefore requesting a refund based on the Unfair Terms in Consumer Contracts Regulations 1999.

 

This is supported by the Office of Fair Trading’s April 2006 statement into credit card charges, which noted that the level of charges at the time, and prior to that period, were unfair.

 

 

The charges total £xxx plus as I believe I have been unlawfully deprived of the money I have calculated £xxx interest at the statutory rate, the amount the court will award.

 

I therefore ask that you repay me the full amount of £531.54 I have attached a full schedule of the charges and interest with this document.

 

 

I look forward to a full response to this letter within 14 days.

 

Yours faithfully,

 

 

 

 

its up to you if u want contractual interest

 

Card Services

Department Account Services

1-5 Queens Road Quadrant

Brighton BN1 3XJ

 

Dear Sir or Madam,

 

Account number:

I am writing to request that you repay all the late payment fees and/or over limit fees that have been applied to my account.

 

I do not believe the charges reflect the true cost to Lloyds TSB and are unfair and disproportionate. I am therefore requesting a refund based on the Unfair Terms in Consumer Contracts Regulations 1999.

 

This is supported by the Office of Fair Trading’s April 2006 statement into credit card charges, which noted that the level of charges at the time, and prior to that period, were unfair.

 

 

The charges total £xxxx plus as I believe I have been unlawfully deprived of the money I have calculated £xxxx interest at the statutory rate, the amount the court will award.

 

I therefore ask that you repay me the full amount of £xxxxI have attached a full schedule of the charges and interest with this document.

 

 

I look forward to a full response to this letter within 14 days.

 

Yours faithfu

 

sorry not sure went wrong but i sent this letter and got all back

hope helps

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  • 3 weeks later...

Oi sent my friend's prelim letter to TSB along with the list of charges and interest added (using the online calculator on this brilliant site) and sent it on the 19th of Feb by recorded delivery,

 

they have sent two letters back to my friend, both saying how they are sorry he had the cause to complain, blah blah, and both letters say they will 'investigate' and this may take up to 28 days, am i right in thinking that i should not wait the 28 days and should now send the second and final letter to them?

 

Bumpy Bump?

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  • dx100uk changed the title to my friend claim her charges back against Lloyds
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