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cindytc.v. lloydstsb ***WON***


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here goes the long treck to victory not sure how much lloyds owe me but one thing i know i want wots mine back.:-x

hand deliverd data protection letter on 13th october to my branch addressed to the manager

now i just wait impatiantly for my account details to arrive

will let u know how much i am goin to claim back soon as i know the total

cindy:lol:tc v lloydstsb:mad:

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welcome Cindy and good luck with your claim, don't forget to post in the Lloyds section and we can follow your posts and claim..

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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SORRY>>>>>> yes you are love, I jumped in to the new posts..straight away and thought I'd missed you in the LLoyds section...........

 

I blame my age..lol....

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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my understanding is that it's done by hand by a person as opposed to computerised but I moght be wrong, anyone else any ideas?

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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not recieved 6 years statements yet. i logged on to my internet banking and viewed 4 years statements online charges total about £4000.00 can i list these charges on my first letter and update the second letter or if i cant would it mean i will have to start another claim for the first 2 years

cindy:lol:tc v lloydstsb:mad:

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please could someone tell me if i can claim overdraft excess fees as well. as these are not interest please help i am prepering my list of charges to send with my prim letter thanks :!:

cindy:lol:tc v lloydstsb:mad:

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Hi Cindytc

 

Yes you can claim the overdraft excess fee's. The overdraft interest fee's are tricky to work out (so most people don't bother). The only other thing you cannot claim for is your account running fee's.

 

If for example you write your prelim asking for your charges back, and after that you get charged another £100, you can add it at the moneyclaim stage. So I see no reason why you can't start with the 4 years, then add the last 2 at MCOL stage.

 

It would be easier to wait until you have them all though. I didn't bother with the SAR Data Protection Request. Just got the 4 years worth off LloydsTSB internet banking section. I think they go back longer than the others do.

 

Good Luck

 

PS. Don't add or mention anything about interest yet.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Thats just what I done... I was a bit more careful with money back then and never got charged.

 

IT'S YOUR MONEY !!!!

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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only thing thats bothering me at the moment is that i dont remember when i oppend my account i know i wont need it till its time for court but i would like to be preperd do i have to write a letter to my branch if anyone knows please let me know

cindy:lol:tc v lloydstsb:mad:

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Cindy, I'm sure that if you went in to the local branch they would be able to bring it up on the computer.......

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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still not recieved list of charges as yet.

but got my prem letter printed off ready to post monday morning i used my online account for all my charges going back 4 years total for 4 years is £4105

but i can still add the frirst 2 years on my lba cant i :?:

also oppend a new bank account just in case :lol:

hope everythings ok

cindy:lol:tc v lloydstsb:mad:

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good luck Cindy/Rachael........

Freebird x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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  • 2 weeks later...

i got a letter from lloyds today i think its a standard letter saying that they recieved my letter and they are sorry that i feel i have cause to complain and they expect to finish theyre investigation in about two weeks bla bla bla and they sent me a leaflet on how to voice your concerns :eek: my lba will be sent next week :lol:

still not recieved my statements yet :x

cindy:lol:tc v lloydstsb:mad:

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Had The Banks Final Response Today It Said Thank You For Getting In Touch I Am Sorry You Unhappy Over Your Account Charges Bla Bla Bla They Call Them Extra Services Also They Mention The Ofts New Guidlines On Credit Card Default Charges They Said They Do Not Agree With The Oft And Theyre Charges Are Not Any Kind Of Default Penalty They Are Standard Fixed Prices For The Service They Provide Also They Are Talking This Matter Through With The Oft Is This A Standard Responce

And Is There Anything To Worry About

cindy:lol:tc v lloydstsb:mad:

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you're doing ok Cindy, jump in to the Lloyds threads and read through some of ours....much of a muchness..

ggod luck hun

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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