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    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
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    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
    • HB - this form and process is as I remember it from handling relatives cases.  It's a timing thing.  Which has passed in terms of my friend
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Responce from ass manager of complaints HELP!


ravenx30
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this is what i sent READ BOTTOM UP:

 

You can also tell the Manager of the Complaints unit that I have revised my account over the last 2 years and found that on:

01 Feb 06 £105.00

03 Oct 05 £35.00

01 Nov 05 £70.00

01 Feb 05 £60.00

£270.00

I have paid out in charges for returned direct debits. This outrages me, I have total rights which to claim this total. I expect a prompt reply from someone who can deal with this matter in a professional manner. I will look forward to resolving this

Yours Faithfully

Richard Peel

ps. This is not the official final letter before proceedings.

 

 

 

"CONTACT.US" wrote:

Thank you for the e-mail.

I am sorry to learn that you appear unhappy over the level of charges you have incurred on your Lloyds TSB account.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery. I have asked that he notes your comments and issues raised and arranges for a response be sent to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Service Recovery

Birmingham

*******************************************************************************************

From:
Evil Eye [mailto:[email protected]]

Sent:
28 March 2006 22:27

To:
CONTACT.US

Subject:
Request for repayment of charges

XXXXXXXXXXX

Gateshead

XXX XXX

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXXXX

 

My Request

I am writing to ask you to refund to me the charge that you have levied from my account on 01 February this year.

I now understand that the regime of fees, which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth, are unlawful at Common Law, Statute and recent Consumer regulations.

 

Your Responsibilities

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner, which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

What I Require

I calculate that you have taken £105.00, which you have charged me in direct debit returns. Total £105.00

My Targets to Resolve this Matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

Yours faithfully,

 

Richard Peel

*********** THEN I RECIEVED THE FOLLOWING******

Our Ref : BHAM/DJ/CC/873744

Dear Mr Peel

Re: Account Charges for Overdraft Excesses and Returned Items

Thank you for taking the time to contact us about your account.

I understand that

 

·
You feel that the charges you have incurred are unlawful.
  • You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items.

  • You have requested that all charges incurred should be refunded.

When you become a customer, we give you details of any charges for the day to day running of your account. Details of our charges are also available from our branch staff, telephone helpline or our website. While banking with us can be completely free, we apply charges if a customer does not have enough money in their account to meet payments they have requested us to make.

You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits.

As a business we are entitled to set charges to cover additional work. These charges are not hidden and are notified in the guide to banking charges leaflet we produce. We advise our customers to ensure cleared funds are available in their accounts to meet payments due. You will also note that in the front of each cheque book we request that funds are available before cheques are issued.

You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account in excess of the amount agreed without charges being made.

Accordingly, I am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively, you may wish to consider alternative banking arrangements.

In case you haven't received a copy of our leaflet called
'How to voice your concerns'
I've enclosed one with my letter. This tells you all you need to know about resolving your complaint with us.

You can ask the Financial Ombudsman Service to independently review my decision. You can contact them at The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800. Website:
http://www.financial-ombudsman.org.uk.
If you do want them to look at your complaint, they need you to get in touch with them within 6 months of the date of this letter.

Yours sincerely

 

 

David Just

Assistant Manager

QUESTION IS WHAT TO DO SOULD I SEND THE FINAL LETTER BEFORE ACTION? OR IS HE RIGHT ABOUT EVERYTHING?

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Standard sort of response - just move to the next stage. It would be worth having a look at some of the other threads in the Lloyds Bank Section, and you will see how others have turned the tables.

 

 

 

 

 

 

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OK I will use the speadsheet to work out the interest? when I find it... or do I do this after the 2nd letter ie (court)

 

please post a direct link to the working speadsheet as looked every where for it and cant find it :-/

 

thanks troops!

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ravenx30

QUESTION IS WHAT TO DO SOULD I SEND THE FINAL LETTER BEFORE ACTION? OR IS HE RIGHT ABOUT EVERYTHING?

 

I'm sorry but the fact that you ask this qeestion and you don't knwo where the necessary letters are indicates to me that you haven't read the FAQ or been through the libraries or read the forum material.

 

I suggest that you do this. You are taking serious action here and you need to inform yourself thoroughly about what you are doing.

If the bank decides to go into court with you then it will be you whoi is delaingwith the problem and although the poeple on this forum will be with you in spirit, they won't be with you in court.

 

If you had even read the Lloyds forum you would have known exactly why you have received the letters which you are referring to now.

 

READ THE FAQ. READ THE FORUM MATERIAL. BROWSE THE LIBRARIES. Allow at least of couple days to inform yourself. Please don't rely on others to do it for you.

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Sorry! I have read quite a bit of stuff and will send the 2nd letter leaving them with a futher 14days to respond in the mean time ill revice the site some more...

 

I didnt intend for any1 to do it for me, just needed that extra little push!

 

Ill keep you posted on the next stage in here :)

 

ps.. found direct link for the interest spreadsheet here http://www.consumeractiongroup.co.uk/forum/showthread.php?t=182

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2nd letter sent hopefully DIRECT to the ass manager:

 

[email protected]

 

Your Ref: BHAM/DJ/CC/XXXXXX

xxxxxxxxxxxxxx

Gateshead

XXX XXX

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: XXXXXX

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner that complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £270.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against Lloyds TSB for the full amount plus interest plus my costs and without further notice.

 

 

 

Yours faithfully,

 

Richard Peel

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you will probably get the standard letter back refering you to the T&C's and pointing you in the direction of the ombudsman.I would start reading up on how to make a claim etc and have your claim prepared so that you can put it in as soon as your 14 days are up.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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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.

- Consumer Action Group

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