me vs. lloyds tsb

[Harry the hamster]

I have already sent a letter to lloyds, which a friend had forwarded to me a few months ago and i sent with it a copy of all bank statements. They replied with the standard letter saying they were sorry to hear i had a complaint and they would get back to me within 2 weeks. A letter arrived this morning saying that the 'OFT's guidelines only concern 'default' charges.' and that fees charged 'for going over an overdraft limit and for returned payments are not any kind of default penalty'. They also said this was their last response but if i wasn't satisfied too refer my complaint the Financial Ombudsman Service.

 

Have looked through this site but i am getting tired and fed up of trying to take everything in so can anyone tell me what i should do next?

 

Very much appreciated

[MARTIN3030]

Harry you now need to follow a structured course.

Have a look in the bank temps folder and send them a letter (if you have already given them 14 days with clear instructions that you want your charges back then send them the letter before action.

Make sure you also send a charges schedule listing all the charges by date/amount/type.

You can use the spreadsheet for this also in the bank temps folder.....the link is at bottom of my post.

 

You will find further info in faqs if you need.........or if you are uncertain about anything then feel free to ask.

 

[GaryH]

Harry,

 

You should find an answer to all your questions simply by reading the step by step instructions; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html, and the FAQ's; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/1-frequently-asked-questions.html.

 

As Martin said, if you've still got questions after that, then ask away!

 

Also, it is much better to stick to one thread. You'll then create a timeline that everyone can follow easily. You'll find you'll get much more help that way.

 

Good luck!

[Harry the hamster]

Hi martin just looked on the bank temp letters and found the LBA. This may sound a wee bit silly but how dod i calculate the interest?

When i sent my initial letter i also sent them copies of the relevent bank statements and highlighted the charges that i'd incurred, so do i still need to do the spreadsheet thing???

 

cheers xxxxxxxxx

[Harry the hamster]

Just tried to download the spreadsheet and it wont let me do it? Though i rnt very gud with computers-can only just manage the basics!!!!

I ve also been reading other peoples experiences and i am hoping it doesnt go as far as the courts cos that would be scary stuff!! My total amount only comes to £739 but they still insist on charging me for going over drawn despite sending them a letter telling them i want my money back!!

[Harry the hamster]

Yeah managed to download the spreadsheet temp!!

Just one quick question-do i add on the interest at this stage?

[GaryH]

No. Not the 8%. The 8% is only to be added when you issue a court claim.

 

If your talking about overdraft interest, yes, if you've figured out the proportion that is reclaimable.

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Erm, didn't I post a response to this thread once?

[Harry the hamster]

bit of an update,not been on since 17th sept!

sent LBA by recorded delivery on 18th sept so the 14days is up monday 2nd October!! Then not entirely sure what im to do??

Also still recieveing bank charges-£90 goes out on the 1st oct which will means i will end up o/d again this month and recieve more charges next month??!!!! They are totally sick! Was thinking about going to my local branch and telling them about my claim and that i will continue to go o/d for the next few months if this is what they are going to charge me??

What does anyone think?

xxxxxxx

[GaryH]

I know its tempting to go and have it out with the branch, but unfortunately it won't make the slightest bit of difference. Even if the branch manager was sympathetic and actually wanted to do something about your charges (which is highly unlikely!), he just has'nt got the authority to do it. Ultimately, Lloyds TSB will take no notice of you whatsoever untill you file a County Court claim, which is your next step after the 14 days are up.

 

You can file online at https://www.moneyclaim.gov.uk/csmco2/index.jsp, or in person at your local court. You will find everything you need to help you in the templates library.

 

Also, you can add any further charges incurred since your LBA onto the total of your claim when you file it.

[Harry the hamster]

a letter arrived friday saying 'bla bla bla but unfortunately i cannot add any further information to our previous letter or agree to your request' they also say this is the banks final response. Didnt want it to come to this but i guess now is the time to file a money claim?

Becki xxxxxxxxxxx

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Looks like it!

[Harry the hamster]

Went onto the link from GaryH reply and had a look about what to do but cant seem to see if it costs and if so how much!

[MARTIN3030]

Have you worked out how much the total is now with all the new charges ?

Click on the moneyclaim link below for details of the online claim.

[Harry the hamster]

Total charges now comes to £819,just going through the o/d interest on my statements as we speak! Could really have done without all thia agro seen as i have an exam next week for third year of my degree!

[MARTIN3030]

Take a break for 30 mins go and have a cuppa and sit in the garden for 10 mins........dont let it get to you.

[Harry the hamster]

Martin that sounds like a perfect idea but unfortunately the heavens have just opened and i have school run to do shortly! at least looking after the kids will give me a break from numbers and revision!

[MARTIN3030]

Oh well.......a break away from the pc will do some good.......and the kids will defininately take your mind off bank charges ha ha:rolleyes:

[Harry the hamster]

Right after a few days off hopefully i have worked it out correctly. The interest i have been adding on is the amount that has been showing on my bank statements which my total amount is £873.34? £24.34 of which is interest.

Have it worked it out right? Maths was never my strong point at school!!

[Harry the hamster]

Not having much luck now! started to file a moneyclaim but its not telling me how much the fee is? and also not sure what to put as reference for this claim,would i just put claiming from my bank?

 

All help is grately appreciated!

[GaryH]

That figure for interest sounds very low to me, that is unless all the charges are recent, ie within the last year.

 

Did you add 8% on each charge individually using the spreadsheet? Double check it, you are probably entitled to claim more.

 

Your fee will be £80, and it will appear when you add the value of your claim into the box and then press enter.

 

If the referance you mean is the one it asks you for at the very start, it does'nt matter what you put its just a title for your reference only.

[Harry the hamster]

Hi Gary

The charges go back nearly 3 years and the answer is no i hadnt been adding 8% on each amount but i cant seem to get anywhere with the spreadsheets so just been doing a list of charges! I'll have another go at downloading the spreadsheet now!!!!

[Harry the hamster]

Thanks very much Gary,managed to do spreadsheet and you were right the interest is nearly £100!! Unfortunately because im continuing to recieve bank charges i cannot afford £80 this month,will i still be able to claim next month!

Much appreciated xxxxxxxxxx

[christinajanep]

Hi, the amount for money claim should cost you £80.00, as for the reference but something like "money owed from lloyds" you can save your claim half way through if you like.