my friend claim her charges back against Lloyds

[craigten]

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

[supasnooper]

Hi there,

 

Reclaim ALL of those charges. They are all unlawful penalties.

[craigten]

Thank you very much for your help!

[craigten]

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

[maroondevo52]

Hi,

 

Are you claiming any Interest ?

 

Regards.

 

Scott.

[craigten]

I am hoping to claim the interest yes but not overdraft interest?

 

I hope this makes sense? Is this possible?

[maroondevo52]

Just delete the 'overdraft' bit

[craigten]

Thank you.

 

Do you know how i go about calculating the interest or do you put it to the bank to work it out?

[maroondevo52]

Hi,

 

Use the spread sheets.........

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/118-interest-calculation-spreadsheets

 

Regards.

 

Scott.

[craigten]

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

[maroondevo52]

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.

[craigten]

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

[dx100uk]

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

[craigten]

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?

[jdes26]

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

[craigten]

Hi, hey thanks for that! I dont understand the letter properly, did you charge interest or just the charges? And how long did it take please? And how much please?

 

Hello?

[jdes26]

i only charged 8 %

it took 6 weeks

i had £540 + 8%

 

it was easy my friend

[craigten]

Hi,

Thanks for that, that fills me with confidence!! Can i ask what you used to calculate the 8% please?

[jdes26]

8% of the amount example 540 = £43.20

i didnt want the battle of contractual interest............ lloyds will kick and shout send them a lba and they will give

 

letter before action

 

8% is what a court will award you

[craigten]

Oh i see, thanks!

So you didn't use any sort of spreadsheet to calculate the 8%?

I was under the impression that we are supposed to use a s/s and that the 8% is worked out from whenever each charge was made?

[jdes26]

yes if u go to martin lewis site the bank charges calculator is there and is EXACTLY the same scenario so USE that one

[craigten]

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?

[jdes26]

yes give them 28days if they dont reply hit them with a letter before action