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what are the offers like from lloyds tsb


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Quick answer you probably won't! From what I've read Lloyds are pushing everyone all the way to court.


The pattern seems to be a standard "no" to your prelim letter followed by a "now we're trying to be scary - NO!" response to your LBA, then an acknowledgement of service followed by their defense, allocation questionnaires, then they'll settle in full (charges+interest+court fees etc) sometime between the AQ and court date.


Best advice, read the FAQs thoroughly and spend time reading other people's threads.



Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06

M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence

Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;

Student Loans Company Ltd SAR2/10/06 silence!!!

Lloyds TSB PPI on Loans CCA & SARsent 21/10/06



Lloyds TSB Current Account SAR3/10/06 silence !!!

Credit Cards:

Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now

Marbles SAR3/10/06; rec'd 26/10 back burner for now

Monument SAR3/10/06

Virgin SAR3/10/06

Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence

Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence

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As Koko said, you are unlikely to get any offer from Lloyds until way down the line. They seem to be the worst offenders at delaying and stalling as much as possible. God only knows why - for every day that they stall you, it is costing them more and more money - and they always pay out in the end!


After you have filed your claim and your Allocation Questionnaire, you should get a letter from Lloyds solicitors offering you full settlement - however there will likely be a string of conditions attached to it, normally about confidentiality and that you agree to never go overdrawn on your account again and if you do you won't try to sue them again. Don't take any of their conditions! They are in the wrong. You are the one that is sueing them, not the other way around - you can afford to stick it to them! Mjanet has got a great thread in the Lloyds successes section, may be worth a look!


Good luck with your claim!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the



My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!


Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!


Questions about posting? Clicky here :D

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