Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

my friend claim her charges back against Lloyds


craigten
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5133 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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 :)

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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?

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 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?

Link to post
Share on other sites

  • dx100uk changed the title to my friend claim her charges back against Lloyds
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...