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ht v lloyds!!

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im just starting my claims with various banks, main one being lloyds who owe me £1150, Im a bit scared!! i have all my statments, is it best to send these or to write all my charges in a spread sheet, if its a spread sheet what info do i need to include?

It looks like lloyds dont like giving back our money, has anyone been succesful with them?

Alliance and leicester, £404 prem letter sent 14.09.06

lloyds £1150,

cap one £520,

natwest £890

halifax credit card £205

barclays bank £700

barclay card £308

littlewoods (barclay card) £250

abbey £110

any advice on any of the other banks would be fab, so far all the advice ive recieved been great, and the info on heres great!

thanks hxx

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Hi h, welcome to the Lloyds forum!


Yes, as you say, Lloyds do tend to kick and scream a bit, what with all their 'ligitamate service charge' nonsense. They try to put you off and intimidate you and bully you, but if you take no notice and stand up to them they will pay up in the end. In fact, they've paid up every claim so far!


Looks like your going to be quite busy in the near future with all those claims! It may be a good idea not to take to many on at a time. If you have a look at my sig, you'll see I've got loads going at the same time which can be an absolute nightmare at times. You need to be very organised (which I'm not!) or have quite a lot of time to spare (which I have'nt), so its probably best to keep to a few at a time.


The approach is the same with all the banks really, as the issues are exactly the same. They do differ in how they respond though, and Lloyd's thing is to stall and bluff at every opportunity. As such, Lloyds claims can take around 2 -3 months, or sometimes even longer. Don't let that put you off though, thats exactly what they want!!! Alliance and Leicester generally pay up within a week or two of issueing a court claim, in fact they have publicly stated that they do not intend to defend any of these claims. They WILL close your account though, so make sure you've got a parachute! Simularly, Halifax pay up without to much fuss, and sometimes you don't even need to issue a court claim against Cap One, they pay up after the LBA. Not sure about the others, but I've heard Abbey and Natwest are simular to Lloyds in that they try to drag it out as long as poss.


Good luck with your claim/s!



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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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