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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Sweetcyanide Vs Lloyds

sweetcyanide

By sweetcyanide
in Lloyds Bank

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sweetcyanide

sweetcyanide

Posted
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Firstly: What a brilliant forum. Its great to see so many people who won't accept banks stealing our money. The recent media attention shows that everyone apart from the banks are on our side! Good luck to all of you.

 

Last night I looked at my statements online, and shocked myself. Charges from July 2002 (as far back as I could go) already add up to over £1000. Most of these were racked up when I was a student, and had no money whatsoever. Yet Lloyds would still sometimes take £60-£80 worth of charges out of my account in a month. I remember I used to spend ages on the phone with them, trying to at least change the dates they were going to charge me, no no avail. Seeing all those charges made me fume, so a DPA request for the full six years worth of data will be sent off tomorrow :-) I reckon total charges will be at least £1500. I also have a credit card with them which I can get statements online for....now thats a task for the weekend I think.

 

Parachute account all set up, just in case!

 

I notice people seem to be doing quite well with Lloyds at the moment, so we'll just see how it goes....they'd better not mess me around, I'm in the mood for a good fight at the moment ;-)

 

Let battle commence!

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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sweetcyanide

sweetcyanide

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Thanks Bovverd.

 

Right, DPA posted, registered mail, today :-) Now, I was just wondering- does anybody know wether I should wait for the rest of my data berore I send my Lloyds credit card claim (which will probably amount to a few hundred, I am going to tot it up using internet banking) and send the whole claim together, or should I send the smaller claim now and the one for my current account later?

 

If I sent a claim for my credit card account, would it affect a later claim against my current account?

 

Also, has anyone had any experience with dealing with their credit card department?

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Merly

Merly

Posted
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Hiya

 

I've basically sent off for my current account charges like you.

 

Then when the CC people phoned up the other day to say I was still over my account limit (which I know is due to charges) I asked them about getting the charges history on my CC as well, they told me to phone customer services and I think they're sending me out a form with all the details on.

 

If I've not heard anything from them today I'll email them a reminder.

 

Good luck and stuff :)

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sweetcyanide

sweetcyanide

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Ooh, and you, let us know what happens!

 

I think I may put the claim in all together-tempting as it is to go for the credit card first. Knowing Lloyds they would be spiteful and take me to court twice (as they can see that I couldn't afford to!)

 

Now I just have to play the waiting game.....

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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commando

commando

Posted
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Hi and welcome to the site,

What exactly are you going to claim back from the CC company ( persume its LTSB ). I've been that engrosed with this site I dont know whats happening in the outside world, media talk ect. I'm on step 1 for bank account charges, are you telling me we can go for CC charges too. If so exactly what charges.

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sweetcyanide

sweetcyanide

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Loula. I think you might have meant Commando ;-)

 

Commando- Yup, we can claim back on any accounts, loans or credit cards these unlawful charges have been applied to! In fact the OFTs ruling related to credit cards, so that gives us an even stronger case when claiming these back, the way I see it :-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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  • 4 weeks later...
sweetcyanide

sweetcyanide

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Right- Just a quick update....

 

Lloyds have actually been pretty good so far, after I gave them a bit of a kick up the backside I received my DPA request last Fri (28th April), and as I suspected the total amount came to nearly £1500.

 

It also had very interesting customer notes, stating that most of the transactions are automated!

 

So, prelim letter e-mailed today (have still not received a read receipt though), and I may just drop a copy into the bank tomorrow as well.

 

Can't wait to get properly stuck into them!

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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sweetcyanide

sweetcyanide

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Got a very speedy response back from Lloyds...standard email back this morning saying that my letter had been passed on, and they will respond asap.

 

At least it shows that the ball is most definitely rolling! I'm expecting the usual "its your fault you incurred these charges, get stuffed" reply in a few days! :-D

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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sweetcyanide

sweetcyanide

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Lloyds really are on the ball at the moment, have just received the automated David Just response stating that they will not refund charges, I knew the T & C's when I signed up, etc.

 

Now, should I give them until the end of the 14 days before sending my LBA? I know the forum is divided on this....and I would like to get it sorted before I go on holiday at the beginning of June ;-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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sweetcyanide

sweetcyanide

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LBA emailed today....if there's no joy a moneyclaim will be filed on the 25th! (Which is conveniently when I get paid *grin*)

 

I'm not expecting them to roll over, but of course that would be nice ;-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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geteven

geteven

Posted
Posted

I'm at the stage with Lloyds were they've sent me the last 5 years statements, (so I've wrote to request 2000 also) I also sent a letter requesting a refund of charges for the ones I highlighted on the statements for the last 5 years. They have replied to say I was aware of the charges as they provide a list of them in the leaflet they gave me when opening the account, and refuse to pay up. They have also advised if I'm not satisfied(!?!) they can refer me to the Financial Ombudsman Service. So what do I do now and what's an LBA?

Thanks in advance for any advice given.

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sweetcyanide

sweetcyanide

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LBA = Letter before action, the second letter you send requesting payment, after which you take them to court. I suggest you go and read the FAQ's (at the top of the forum) carefully before you take action, and keep an eye on peoples threads so that you get familiar with how things work....

 

Its a good idea to start your own thread too, that way people can come and give you advice/support/follow your claim there.

 

Good luck!

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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  • 2 weeks later...
sweetcyanide

sweetcyanide

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Moneyclaim will be filed when I get home tonight *excited* Have seen quite a few examples of what to put in there so I should be ok- any last tips though?

 

My claim is for just under £1,500 (excluding interest)- will I have to pay an extra fee when it comes to the allocation questionaire?

 

I really didn't want it to get this far- but they asked for it! :-D

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Lorraine

Lorraine

Posted
Posted

Go and get them tiger!!!

 

Ive just received their Defence today (double edged sword - also received letter from Halifax - they have backed down and i have got my money back)!!!!

 

You will end up paying an exta fee but you will get it back. When I did my Moneyclaim it was very exciting but also a bit scary (nail-biting in fact).

 

Lloyds are the stick in the mud - but we will get them - they just huff and puff but we wont back down.

 

As everyone says, chin up and look forward to your little windfall.

 

I didnt want it to go this far but life is life and it takes time and effort and a little bit of faith.

 

Smile

 

Lorraine

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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sweetcyanide

sweetcyanide

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Oooh, well done on the Halifax front! I'm sure Lloyds will back down soon :-)

 

Thanks for the support- I'm sure it'll be worth being a bit skint this month for the big return I'm going to get the month after! *grin*

 

I have all the time in the world and lots of faith!

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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sweetcyanide

sweetcyanide

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Claim has now been marked accepted- so I expect it will be served after the bank holiday. Now the worst bit- the waiting!

 

I fully expect them to defend, as that seems to be their tactic at the moment. I'm not actually feeling that daunted by it now though :-) They might be trying different defence tactics now but they forget one crucial thing- they won't win against any of us, because THEY ARE IN THE WRONG. And therefore, any defence they come up with is going to be pants!

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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Spiceskull

Spiceskull

Posted
Posted
Claim has now been marked accepted
Good luck - now the really exciting bit starts...but you will get it back. :cool:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
sweetcyanide

sweetcyanide

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Surprise surprise, Lloyds have acknowledged my claim! Now I just need to hang on and see if I get a letter from them, or a defence.....

 

The claim was acknowledged by Sechiari Clark and Mitchell rather than their usual people.

 

Can't wait to see what happens....

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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  • 3 weeks later...
sweetcyanide

sweetcyanide

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Eep, moneyclaim is showing Lloyds have filed a defence- with only a day to go!

 

Now, advice please...should I ring their solicitors once I have a copy of the defence, just to see how the land lies and whether they might settle at this point? Or should I just wait and see what happens, and get on with the AQ when it arrives?

 

Of course, in an ideal world, a settlement letter will follow very shortly...I know its happened to quite a few people straight after receiving a defence. *fingers crossed*

 

Ohhh, I'm not sure I can take all this excitement! ;-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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lee6370

lee6370

Posted
Posted

Don't ring them, wait for the defence then spend some time putting your arguements togeather.

 

It won't be long before they send an offer letter, and at this point you can outline your case and tell them what to do with their offer, unless of course they offer to settle for the full amount without conditions first time round.

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reload

reload

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What lee6470 said - best option is to start putting your arguments together just in case. You should recieve an Allocation Questionnaire through with the copy of Lloyd's defense from the court, and there are guide notes on filling it out available in the Bank Template Library. I've also posted what I entered in my 'more information' section in my Lloyds thread, linky in sig.

 

Going to wait till a few days before my AQ is due back myself, just to give Martineau Johnson a chance to send me an offer ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 1 month later...
sweetcyanide

sweetcyanide

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Eep, I know I havn't been on here for ages but I thought I'd get you all updated!

My AQ has been processed (took long enough!) and I recieved a letter from the courts today.

 

Action has been stayed for 3 months to "allow for test cases currently being heard." and the defendants solicitors must notify the court of the result of any relevant test cases by 1 November.

 

I have 7 days to make an application to object to this order, which obviously I will be doing. Has anyone got any helpful comments towards doing this? I will point towards Elliot vs. Lloyds as a test case and the outcome of that, and point out that all of these cases are settled before they get to court. Any other information people can give me which I can put in my letter would be very much appreciated.....

 

Thanks :-)

"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever has."- Margret Mead

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