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kmbrad vs Lloyds TSB ***SETTLED IN FULL***


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Hi all....

 

I have read the forums and congratulate you all on the tremendous help you ALL offer!

 

This is all new to me, but I am going to go for it... I bank with Lloyds TSB and searching back through my statements online, have calculated £417 in charges since late 2001. The charges I have included are, unpaid direct debit, cheques and standing orders. I have also included the overdraft excess fees but NOT the overdraft interest fee's. I agreed to have an overdraft so I dont think I can claim back the interest, CAN I?

 

I have looked at the sample letters. I have listed all my charges. I reada forum about the interest at 8%. Would it look like I don't know what I'm doing if I don't ask for this and the overdraft interest? I really could do with just a little pointer to get me going.

 

Regards

 

Karl Bradshaw

 

PS. The address I have on my statements to write too is: Customer Service Centre, Dept. 10-49, Box 3, BX1 1LT

 

Is this my best contact address?

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You can claim overdraft excess fees

 

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

 

Address is fine

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Hi Michael

 

Thank you for your quick response. I'll leave out the overdraft fee's as it won't be that much.

 

Should I also send all my correspondance by recorded / special delivery, or don't I need too?

 

I will start the process and get it under way. I will keep looking at the forums for sources of help. Should I need to ask the odd question, would you mind if I contacted you? I fully understand if you'd rather I didn't.

 

Thanks again

 

Regards

 

Karl

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1st class post is fine, (at the PO you can get a certificate of posting for free), but most people tend to send it RD.

 

Use this thread to post your progress and any questions. that way people can see the history of your claim and give better advice.

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Thank you.

 

I shall post when I receive what I expect to be a "automated response"

 

Regards

 

Karl

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I received a standard letter today (16/8/2006) saying....

 

"We're sorry to hear of your complaint" etc

 

They also say that someone will investigate, and get back to me within "hopefully" two weeks.

 

Should i wait for this response before sending off my LBA? I know whis is a standard letter, but want to be seen as being 'fair' and not jumping the gun...

 

Any help would be great...

 

Thanks

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Do you believe:

1.They're sorry about your complaint.

2. Someone will investigate.

3. They will reply within 2 weeks, hopefully or otherwise.

4. Their response will be a full refund.

 

Send the LBA 14 days after the date of your prelim.

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Ok thanks. I hope you don't mind the advise. When people start these claims we read all the forums, but still aren't 100% sure on somethings. I'll send it after the 14 days has elapsed.

 

Regards

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  • 2 weeks later...

Just a brief follow up.

 

I sent the LBA (letter before action) yesterday. Today I received the normal letter stating the banks final comment on the mater.

 

Will wait the next 14 days before taking the next step.

 

Karl

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  • 2 weeks later...

Have just completed the forms on the Money Claim website. Took a while to do, but I wanted to make sure I got it right. There are soooo many threads to research, but it's worth it.

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Just filled in the Money Claim forms. Took a while as I was referring to other posts for templates, but confident i've done it correctly.

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ahhhh. My first post didn't appear, so I presumed i'd not posted it.

 

It's OK, I'm relaxed!

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lol :D

 

Don't worry bud, we've all been there. Fingers crossed for you, looks like you've got it under control though :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I received through the post this morning a notice of issue. I see Northampton County Court is addressed. Is this where all Money Claims are issued from or is this relevant to my case?

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Just come back from a few days away to find two letters from the court on my doorstep. Firstly a "notice of issue" telling me the defendant has until 26th September to reply, and secondly a "notice that acknowledgment of service has been filed". The defendants solicitors are Sechiari Clark and Mitchell. They have 28 days from the date of service to file a defence (I make that the 10th October). If Lloyds TSB are following suit, I'd expect them to file a defence on or around the last day, then I'll start the AQ.

 

I'm off to have a go at designing Christmas Cards!

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WON 121o121 'vs' LloydsTSB (again)

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Just an update.

 

No other correspondance to date.

 

I'm off on holiday today for 1 week. Hopefully something will be awaiting me on my return!

 

Regards

 

Karl

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WON 121o121 'vs' Halifax C C

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Back from holidays and nothing on the door mat. Money claim status remains the same too. On a more positive note Mallorca is great and the weather blistering!

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WON 121o121 'vs' LloydsTSB (again)

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Can anyone tell me how I can rename my thread to kmbrad vs LloydsTSB?

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thanks christina

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WON 121o121 'vs' Cahoot CC

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Well my claim was acknowledged on the 12th September, so counting down the 28 days, I'm sure today (10th Oct) is deadline day :) (we're slowly concluding)... Haven't had any correspondance at all. Obviously expecting a last minute defence and an AQ to arrive shortly. Just one question. I'm sure no-one has been succesful in filing for judgement, but is it after midnight tonight I can try if a defence hasn't been entered? :???:

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' LloydsTSB (again)

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I believe it's after midnight that you can file defence, but not 100% sure as haven't done that myself. Our deadline was 8th October and we predictably received one of the defences in the post yesterday - the date of their defence was 5th. We're expecting that the other two defences will turn up today but if they don't then we'll be looking into a default judgement. Kowing Lloyds, I'm sure you'll get yours through very soon.

 

Lucid :)

  • Confused 1

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Checked MCOL yesterday and a defence had been entered. Have to wait for the AQ to arrive now.

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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The AQ arrived this morning with a covering letter from the courts entitled "Notice of Transfer of Proceedings". An attached letter from MCOL tells me that the defence filed has been enclosed, which I don't appear to have. Have I missed something here? All i have is an AQ, a covering letter from Northampton Court and a letter from MCOL.

 

Regards

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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