Loula v LTSB (Joint Acct)

[Loula]

Evening All!

 

Sending Preliminary Approach for Refund letter tomorrow Recorded Delivery.

 

Only had the joint account for three years but seem to have small charges almost every month. Funny how they went unnoticed.

 

Dear Sirs,

 

Request for repayment of charges

 

ACCOUNT NUMBER: XYZ

I am writing to ask you to refund to me the charges which you have levied from my account over the last three years.

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. If you say that they are not then you will pleased to demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches in order to reassure me that your penalties really do reflect your costs.

Additionally it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

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.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

You concealment of the true nature of your charges has prevented me from asserting my right until now.

 

I calculate that you have taken £872.00 .

 

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 sincerely,

[Loula]

Letter sent RD today.

 

Will check on Wednesday with Royal mail to confirm it was delivered!

 

LOULA

[Loula]

Strangely enough got a very nice letter from the ACTUAL BANK MANAGER saying ...

 

Dear Mr and Mrs,

 

In reply to your letter regarding Bank ChargesI can confoirm that you will receive a formal response within 5 days.

 

Yours sincerely

 

 

Now, when will Lloyds TSB send some of our money wisely and send their staff for letter writing courses or just plain tell them...

Dear Named person = Yours faithfully

Dear Sir/Madam = Yours sincerely

 

 

 

Anyway, have now received the 'standard' reply....

 

Thanks...understand this...you should be aware...blah blah blah!

 

It was sent from Service Recovery, hand signed (now that's worth framing) by Mrs Jean Campbell, Assistant Manager!!!!!!!

 

You can see it is a standard letter because it goes on about withdrawing debit cards, overdrafts and chequebooks. None of which I possess!

 

14 Days are up on 24 April. Roll on Monday!!!!!

 

LOULA

[Loula]

This topic was closed on 03/08/19.

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