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Has ANYONE had ANY success recently against Lloyds TSB?

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..................in regards to re-claiming charges.


Unfortunately Lloyds would appear to be one of the worst for contesting claims.


My own experience started back on the 14/10/05, when I raised a number of issues, including the justification of exhorbitant charges, with my 'Privledge Manager (thats a joke). I never actually made a claim though.


In short, after numerous telephone calls, letters & faxes I was told..............'sorry no one has taken ownership of your concerns to date, BUT please see the enclosed leaflet blah blah blah'. In the end I couldn't be bothered in dealing with a total bunch of incompetents, and didn't have time to go to the Financial Omsbudman.


BUT a week ago I came accross this website and now feel like hitting Lloyds where it hurts. Is it worth all the hassle ????????? :-|

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You can read up on various members' successes so far in the Lloyds TSB Successes sub-forum. There have been quite a few successes so far and there are many in process. Lloyds seem to take as long as possible over it but everybody who's been persistent has got there in the end so far.


Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06


GOT A COURT DATE? A guide to the later stages



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The fact is, that every single Lloyds claimant to date has received a full refund of their charges, plus a tidy sum in interest.


Ok, so they bluff a bit and drag it out as long as they can - so what?!? Just think of all that lovely interest mounting up day by day. Could'nt get 8% APR in a savings account could you!


The very fact that people are wondering wither they should bother claiming from Lloyds or not means that their dirty little underhanded tactics are working - to some extent anyway. The charges are unlawful - this is as true for Lloyds as it is for any other bank and just becouse they are more aggressive in their defence does'nt make them any less so. In fact, being aggressive IS their defence. They know damn well they are'nt going to step inside a court to fight one of these claims, so their tactics are to try to put as many people off as they possibly can. Its all about damage limitation - hence their attempts to tie people in to confidentiality clauses when they settle.


Obviously at the end of the day its completely your decision. But please remember that its YOUR money - and personally, I would'nt let the scumbags keep a penny of mine.

Please remember to DONATE! Help CAG keep up the fight!



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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My claim is pretty small but I have learned an incredible amount by following the advice on this site. The info can seem intimidating at first but most of the work has been done by 'those who have gone before us' and they have kindly posted it here for others to use. I would encourage you to go for it. Pick a longer thread and read it all the way through to give yourself an idea of the steps involved.

These money lenders have made many many peoples lives a misery.

Best wishes whatever you decide.


29 March 2006 Data Protection Act Request sent for ac 1 (then she got a bit distracted but got another charge so...)

27 May Prelim letter sent for ac 1

27 May Data Protection Act Request sent for ac 2 & 3

21 June Prelim Letter sent for 2 & 3

14 July LBA sent with schedule for ac 1 & 2 & 3

7 August MCO filed – defence expected 10 September

11 September defence filed - signed Sean Copping

12 September AQ form received

18th September AQ sent back to Lambeth Court and copy sent to solicitors both recorded delivery

13th Feb 2007 Court Date Set

15th Feb Reclaimed Money is in my bank Account


Cat's opinions are those of a nurse and most definitely, definitely not those of an accountant or solicitor, although she was always quite good at sums and elocution.

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Hi Monkey..

If someone mugged you (metaphorically speaking) and nicked your wallet, wouldnt you want it back? The fact they are a multinamtional corp taking our money illegally should not deter you.


You will get it back. It will take time and yes it seems they are the worst of all the banks for stalling, delaying, underhand tactics and much worse (read my thread), but its worth it. For the princliple as well as the money...


Good luck



Wolfcub v Lloyds

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I received a settlement offer today, hope that spurs you on.

4/10/06 - Claim settled in full+costs+interest.

6/10/06 - court hearing date.

Allocation questionaire returned to the court-18/7/06 deadline 25/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

previously known as VIKKI ARDA


Forum InfoContact

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I received a settlement offer today, hope that spurs you on.
hi im with llyods have all my statements wrote letters each time refused done online claim they sent defence saying i knew what charges they would make as i agreed it when i opened the accont i have now been given an allocated questionare and given a court allocation and asked to pay another 100.00 out and im getting a bit panicky now but where do you go from here can you help:-) my charges are 1300.00
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There is a fee for filing your claim with the courts which is dependent upon the value of the claim

up to £300 - £30

£300.01 - £500 - £50

£500.01 - £1,000 - £80

£1,000.01 - £5,000 - £120

£5,000.01 - £15,000 - £250





There may also be a fee payable on submitting your allocation questionaire.


Allocation to track fees: claims for money of £1,500 or less no fee all other claims £100

If you are on benifits then you can apply for exemption from these fees. More information can be found at County Court Fees. If you do end up paying them you can add them to the total claimed back from lloyds



Victory over Lloyds £890


Victory over Vodafone: default removal


Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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In regards to my original post, thank you to everyone for the words of encouragement. ;-)


Must say after my recent experience with the idiots at my branch in Fenchurch Street, that I still feel 50/50 about starting this all up again. Previously my letters where in regards to poor customer service and lack of assistance offered, after I was made redundant. After 15 letters and discussions with 9 different members of LLoyds, I was fobbed off so many times that I couldn't be bothered in wasting anymore time.


BUT after stumbling accross this forum and reading of other peoples determination, I now feel that I should try a new approach and just ask for MY £2250 back.


Must admit that I dont look forward to the idea of going to court, but......well here goes.


Just a quick question - should I address my 1st letter direct to my branch manager or just a generic Lloyds customer service address?

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Hi Lazymonkey,

i am going through the litigation process right now, just filling in the allocation questionaire at the moment. Lloyds definately drag it out to the death but it will be worth it in the end, especially if as in my case the charges with interest are in excess of £4k.

so far it has cost £10 for the DPA request, £120 to issue money claim and now it will cost £100 to transfer proceedings with the allocation questionaire, but all of these costs get added to the claim anyway.

As wolf cub says, as well as the money there is also the principle,


go get em!

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I'm just about to send an LBA, but Lloyds have issued court proceedings against ME! The account in question was £2600 overdrawn when they closed it but there are £7600 worth of charges in the last 6 years. Is this just an intimidation tactic from Lloyds as the amount of charges will obviously form part of my defense. I'm going to appoint a solicitor and fight this in court, but has this happened to anyone else?

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  • 7 months later...


you have to kepp at it with lloyds they will try all tactics but ignore them all and stick to the guidance notes you will win in the end.

my claim started back sept 2006 and i have just had over £3000 refunded plus cost. i was due in court on may 21 2007 but they paid up in the end.

keep at it.

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