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NEWCOMER - very confused please help!


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Hiya,

 

I have just discovered this site after reading about the success of the guy who got his money back form the Nationwide bank. Since November 2004 the Lloyds TSB have charged me approximately £1600 for failed direct debits etc. Fair enough,the money wasn't in the bank but £35 a go is a bit steep and as you all well know it snowballs and becomes a catch 22 - can't pay as charges come off your account so get charged again, go over the overdraft limit, get charged, and so on and so on!

 

I am confused as to the protocol of getting this money back - what is a DPA letter, what's my first thing to do? Could anyone tell me how this works?

 

Thanks for you help, Jinty x :confused:

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Go to the FAQ section from the main forum menu - there you will find a step-by-step guide to the process. Best of luck.

Alan, Derby, UK.

 

 

 

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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Hi Jinty,

 

in exactly the same boat.

close to £200 a month charges with no end in sight.

like above Thread - start with FAQ's and have a good around the site. thats what i'm doing trying to make sense of it all

 

good luck

 

Aiden

Printed off all statements off the net 5/4/06

total ILLEGAL charges:

£968.95

Letter posted to Lloyds 6/4

LET THE FUN BEGIN!

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hiya,

 

thanks for your help....have been to FAQ's and if I'm right...

 

1. get statements and stuff (DPA)

2. send a request for refund letter

3. send a letter before action

4. take the total bankers to court!

 

this is now clearer, but have been finding threads with talk of account closures etc, what are the consequences of taking action? will i be blacklisted forever and ever!

 

also, has anyone actually been to court, would love to hear of your experiences...what happens if you lose?

 

thanks for you help guys,

jinty xx

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That is always a risk - it is advisable to open a parachute account just in case. Nat West seems to be a route that many have taken.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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also, has anyone actually been to court, would love to hear of your experiences...what happens if you lose?

 

thanks for you help guys,

jinty xx

 

 

I gather only one has gone to court...and nobody has lost. :)

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Incorrect.

 

Many have won (oh, all right, settled ;) ) before getting to court, a few have won in court, one has lost. (see Natwest section, post by Henry "natwest, my case, lost, I'm afraid")

 

For edifying stories, see Dave's posts about Abbey, Disneyman's about Nationwide, or even the Litigation section, and look a the closed cases. Also remember that for 1 who comes back and tells us he got his money back, there's probably 2 who don't. (too afraid we'll ask them to contribute to the book fund, :D )

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Incorrect.

 

 

I stand corrected...and thanks for pointing me to a thread that is well worth reading, and gives us all a warning to ensure we are well prepared, and follow the step-by-step guide to the letter.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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