Clarke vs Lloyds

[mariep1208]

I've just written my letter asking for my last six years statements. It's good to read the experiences of others and it fills me with a bit more confidence to ask for MY money back!!

I did try to ask lloyds to consolidate my overdraft with my personal loan, which would have enaabled me to keep my account in the black, but I was flatly refused. So much for customer care and they have the nerve to charge me £15 per month for the 'privilege' of putting my money in their bank??!! :mad:

Anyway that's my rant over with, hopefully after time I will receive my money back and I will be able to pay off some of my debts.

[closey]

Hi Marie and welcome,

 

Oh Lloyds do make me mad!

 

Anyway welcome and best of luck with your claim. Remember to keep us all updated.

[mariep1208]

Thanks, will do. It's amazes me that they can slap me with £200 charges per month and just take it and if I want my money back I have to go through this cr*p!!

[mariep1208]

Well I've sent my SAR today. Absolutely sick and tired of the downward spiral of debt these charges are causing, almost a quarter of my salary goes on charges each month which makes me overdrawn and incurr more charges...............methinks the whole world has gone mad!!!

 

If this continues for much longer I will be forced to move out of my home and will have to find somewhere cheaper to live......perhaps take up residence in my local lloyds branch!!!!!!!!!

[christinajanep]

Hi,

 

after a prett **** couple of days i've just read your quote at the bottom of your thread and oh my how i laughed my head off, thank you so much for making this crap week a little better

[mariep1208]

Thanks I'm glad it made you feel a bit better, lets hope the fat cats at Lloyds have fleas in their genitals and extremely short arms!!

[mariep1208]

Yikes, just had a thought, I also have a bank loan woth lloyds TSB if I persue charges and Iget them back will they be arsey and ask for all their loan money back in one go??

[closey]

The loan will covered under a different agreement, so no.

[mariep1208]

Closey

 

Many thanks for putting my exhausted mind at ease. I was telling a friend about the site last night and we were talking about the letters they send (and charge you £30 for) to tell you that your overdrawn and it got me thinking.......maybe I should send them the following;

 

Dear Lloyds

 

No sh*t Sherlock, thanks for stating the obvious and charging me £30 for the privilege. I apologise for the inconvenience to your bank and the unnecessary distress this has caused you, there's nothing I like more than being overdrawn.

 

Yours sincerely

 

 

P.S I have no option but to charge you £30 for this letter!!

 

 

Ha ha see how they like it!!

[mariep1208]

I've just had an awful thought......

 

I know I have incurred charges this month and normally I would have had a nice little letter from LTSB to tell me when the were going to take them out and make me overdrawn....again. However, it has just dawned on me that no letter has come, what are they up to?????????

 

Maybe it's a new policy, don't send letters, just take the charges out regardless!! :eek:

[closey]

That sounds like Lloyds to me

[mariep1208]

Well I got all my copy statements today, just finished inputting them onto the spreadsheet (thanks for this template) and discovered I've paid £3757.50 over 6 years!!

 

Prelim letter sent. 14 days and counting!!!!!!!

[reload]

Fingers crossed for ya

[mariep1208]

Cheers for that reload.

 

Well no response to the Prelim so off I go LBA in hand to the post box!!

[closey]

It sounds like you've got it all under control. Make sure you are sending the letters recorded delivery.

 

Keep us posted.

[mariep1208]

Will do Closey. I've been trawling through the forums and can't find what I'm looking for, can anyone help with the following......

 

My LTSB current account has an agreed overdraft of £2750 (maxxed out!!) and today they took another £350 in charges making me go over my agreed limit. This happens every month, but with rent, council tax and bills theres never enough money in to cover these charges and this is becoming a rather viscious cycle.

 

If I closed or ceased using my account does anyone know what the consequences of this would be?? I know they would expect the OD to be paid back but at what rate/timescale??

[closey]

A similar thing happened to me. I changed bank accounts for all my bills etc, and because Lloyds saw I wasn't using the account much, they demanded I repay the overdraft immediately. I was in no possition to do so, so they then offered me a loan to pay it back. I felt pretty much forced to take it out, so did.

 

Because the amount of your claim is more than your overdraft, perhaps it would be wise to keep going with this account. When you receive settlement in full, you can pay off the overdraft in full and still have a bit of money left over.

[mariep1208]

Thanks for that Closey.

 

No response to my LBA??!! Is this normal?

 

Have completed my moneyclaim online claim, but guess what ......can't afford to file it at the minute (£120) due to paying back bank charges!

 

£4464.82 inc interest, hoping to file the claim in the next week or so.