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How far to claim back?


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Hello,

 

I am new here so a happy hello to you all....

 

I have accumulated a fair few overdraft charges dating back to 2002. These charges have been typically for exceeding my od limit by about £20-£40. I would be grateful if anyone could tell me whether I can claim these costs back this far?

 

So far I have sent a letter to my branch, 'objecting' to the latest charge (which was a pedantic one to say the least) but now feel compelled to go the whole hog and claim back all my charges.

 

Am I right in assuming the customer care centre is the point of contact?

 

Thank you,

 

Andy

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You can claim back six years, so yes, charges to 2002 are fully reclaimable.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You can claim back six years, so yes, charges to 2002 are fully reclaimable.

 

Thanks mate,

 

For anyone else with internet banking Lloyds offer statements that far back (although its a bit of a pain- its in 3 month batches IIRC), so I guess it will be a busy afternoon pulling off the data for me.

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Even though you can get all your statements from internet banking, IMO its still a good idea to make a Subject Access Request, if only becouse it asks for evidance of manual intervention. There never is any (obviously) but by asking you take away a potential line of defence. Its up to you of course, but if it were me I'd start the process off with the prelim having added up the charges online, but still make the Subject Access Request at the same time.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks gary! following your tip I am sending the subject access request for my Credit Card Account. I have already recieved all the statements from my branch for my current accounts but now that i have calculated the charges I have no idea where to send this to as there are so many different addresses for lloyds tsb in this forum. Can you help? Many Thanks

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Princessm,

 

Firstly, its a good idea to start your own thread - that way, you can keep your own 'timeline' where everyone else can follow your progress. You'll probably get more help that way, too.

 

Anyway, in answer to your question, send all Lloyds correspondance (except the Subject Access Request) here:

 

Martin Orton,

Manager,

Customer Care,

Lloyds TSB,

125 Colmore Row,

Birmingham

B3 3SF.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks gary! following your tip I am sending the subject access request for my Credit Card Account. I have already recieved all the statements from my branch for my current accounts but now that i have calculated the charges I have no idea where to send this to as there are so many different addresses for lloyds tsb in this forum. Can you help? Many Thanks

 

Princess,

 

You need to click into your statement from the options on the side bar.

 

Then, you need to click on the 'Please select an option box' and select 'Download a statement' and voila, you can select any period you like from July 2002.

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