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

[reload]

Hi Harry (Class username by the way )

 

Normally, for a first poster I'd reply with:

 

I'd suggest you read the Frequently Asked Questions forum, in particular the Step-by-Step Instructions, the FAQs themselves, and the Rules of Engagement. You'd do well to read the other threads in there too

 

Once you've got those under your belt, take a look at the Bank Templates Library. It contains all the letters you should need to see your claim through to the end.

 

Best thing you can do is read and memorise the step-by-step guide though. Your next course of action, judging by what you wrote, is for you to send them the Letter Before Action. 14 days after that, you will probably need to file a moneyclaim online.

 

Don't be disheartened though, it does take a lot of time for all of the information on this site to sink in. You may want to read a few other threads with 'Settled' or 'Won' in the title as well (My own is linked in my signature, for EG).

 

That said, welcome aboard. We'll be here if you need us

[Princess Ivy]

i have no idea, but am about to start with tsb so am very interested in finding out.

[Harry the hamster]

Cheers! I love the 'hello there my name is harry the hamster' it just cracks me up everytime i hear it:D

 

To top it all off i also recieved another letter this morning saying i'd gone over drawn and i was gona be charged £90 on 1st oct!!! as if i can afford that so tomorrow as soon as i finish work i am going to open another account and close my TSB one down! My mother is also threatening to close all her accounts with them, including her business account!!

[Princess Ivy]

you're very lucky to be getting those letters, tsb have started sending them to me a week after they take the charges now, i think it's so they can trip me up and charge me more! because i only then get paid on a tuesday and charges go out on a thursday, they get to charge me for each day over i am!