Lloyds TSB are getting Sloppy "WON*

[alanfromderby]

They also said if I can't run my account within the T&C's then they may consider withdrawing certain services like DD's, Cheque book etc (then suggested I may want to make alternative bank arrangements).

 

 

Can someone clarify if the letter entitled "letter before action - consumer version - asking for it back". Just getting a bit twitchy now and want to make sure I am following the process correctly.

 

Badgerboy

 

Have you got a parachute account? It would certainly be advisable, although usually it seems they are not necessary. Better to be safe than sorry.

 

Yes that is the correct letter for your situation.

[Badgerboy]

Cheers AlanfromDerby, I am going to set up a parachute account with someone else, any recommendations would be gratefully accepted.

 

Badgerboy

[Bovvered]

I found the Natwest Step account easy to get - I applied online and had my account open within a week.

[alanfromderby]

Same with me - took about 10-days to get everything through, and the account is now set up and cards activated etc.

[debbie1973]

Can Someone Advise Me Of What I Should Be Writing In My 1st Letter Please

[dave]

debbie1973, have a read of the FAQs, the Step-by-step instructions, the library and first of all the forum rules.

 

It's not good practice to highjack someone elses thread.

 

The FAQs are the bit at the top of the BAG that state "FAQs :::::::::::::::::::::::::- PLEASE READ THESE FIRST!!! -:::::::::::::::::::"

 

and

 

"If you ask a question in the forum that is answered in here, expect your post to be ignored."

 

but not before saying:

 

"MOST OF YOUR QUESTIONS WILL BE ANSWERED HERE ALREADY "

[Badgerboy]

I have already sent the first letter asking for the charges to be refunded, I am just about to send my next letter stating action will be taken if they don't pay up. Since my first and second letter I have incurred yet another £30 charge, I am alright to add this on in my second letter or do I need to stick with the original amount.

 

I know its only £30, but as you all know, this is my £30 not ther's.

 

Any guidance would be appreciated.

 

Badgerboy

[Bookworm]

Add the £30, put a little sentence to say "was xxx, now xxx because of you charging me on x date", then send.

[lee6370]

Yes you can, in fact i'd make a point of telling them in the 2nd letter why the amount has increased.

 

Edit *Sorry bookworm, you must type faster than me, please feel free to delete this post.

[Badgerboy]

Great stuff I will add the extra money with pleasure. Thanks for the re-assurance, you get a little nervous sometimes and start questioning everything instead of using your common sense.

 

Thanks again

 

Badgerboy

[debbie1973]

can anyone help me with a standard letter to lloyds regarding claiming back my charges

 

 

MOD NOTE: PLEASE REFER TO THE POST ABOVE

[Badgerboy]

I received a letter from Lloyds TSB today stating that they will not refund me. So I am going to start a claim against them, I have logged onto the moneyclaim.gov website but need a little help on a few sections.

 

I have read the library guidance notes but they don't answer my particular query. You are asked firstly to put the defendants (LloydsTSB) address down to which any correspondence should be sent. Can someone give me the piece of mind that this is the address in Birmingham still. My common sense tells me it must be but I am starting to question myself now it has got to this stage and want it to all be done correctly.

 

Also it mentioned in the library that you need to quote the date you took out your bank account with them (firstly I don't know this and secondly I am claiming against two accounts so what do I need to do here??).

 

I titled my claim "Money owed by Bank", is that suffice or does it need to something specific.

[Lorraine]

Hi, I am in the same boat (just about to file mine - got my letter of refusal today) . I found a a site called

http://www.hmcourts-service.gov.uk and printed off all the info that I need!!!

It is quite scary filling out the forms. Have also just read PrincessAphrodite's thread - its very long but well worth reading:rolleyes: .

 

My only advice - the address - I am addressing it to my branch !! It can be addressed to Birmingham, as long as its a proper address for the N1 Claim Form.

 

Hope this helps

Lorraine

[Badgerboy]

Thanks for the advice, I am still a little confused though as to what the wording should be on the form. The reason for confusion is because the advice in the library regarding the online claim is quite different to that of the hard copy. The hard copy one reads better but I obviously want to do it right.

 

Where is the Princessaphrodite thread??

 

Thanks

 

Badgerboy

[tonyross]

make sure you enable cookies i had a lot of problems until i did

[HD]

I received a letter from Lloyds TSB today stating that they will not refund me. So I am going to start a claim against them, I have logged onto the moneyclaim.gov website but need a little help on a few sections.

 

I have read the library guidance notes but they don't answer my particular query. You are asked firstly to put the defendants (LloydsTSB) address down to which any correspondence should be sent. Can someone give me the piece of mind that this is the address in Birmingham still. My common sense tells me it must be but I am starting to question myself now it has got to this stage and want it to all be done correctly.

 

Also it mentioned in the library that you need to quote the date you took out your bank account with them (firstly I don't know this and secondly I am claiming against two accounts so what do I need to do here??).

 

I titled my claim "Money owed by Bank", is that suffice or does it need to something specific.

 

I put my local branch address. If the baliff's go and collect, I'd like to see it:D

[Dammam]

I actually addressed mine to

 

Lloyds TSB Bank PLC

25 Gresham Street

London

EC2V 7HN

[Lorraine]

Princess Aphrodite's thread is two above this one.

 

Big Letters *Claim Filed*

 

Really long one but has some infor which you can put on your claim form. Also Bank Fodder has done some notes on how to claim etc, etc in the Library seciton. Have to hunt for it though.

 

Rough guide and has the wording you need to fill in.

 

Hope this helps.

Downloaded all my info last night - will read through and do claim tonight.

If anything else, dont hesitate to let me know.

[kotum45]

This is the particualrs of claim I used

Claimant has account xxxxxx with

Defendant from approx xxxxxxx conducted on

their standard terms and conditions.

Claimant is claiming the return of money

taken by Defendant in charges over 6 years

plus interest they have levied on those

charges. The Defendant?s charges are a

disproportionate penalty and therefore

unenforceable as they are contrary to

common law. They are also invalid under the

Unfair Contracts Terms Act 1977 s.4 and

under the Unfair Terms in Consumer

Contracts Regulations 1999.Para.8 and

sch.2.1.e.In the event that the charges are

not a penalty they are unreasonable within

the meaning of the Supply of Goods and

Services Act 1982 s.15.Defendent has

declined justification of charges despite

repeated requests. Claimant claims interest

under Sec.69 of the County Courts Act 1984

at a rate of 8% a year from 03/02/03 to

06/04/06 of £147.29 and also interest at

same rate up to the date of judgment or

earlier payment at a daily rate of £0.34p.

 

 

If you have 2 accounts I "guess" you can cjange the wording and write "the claimant has 2 accounts with the defendant xxxxxxx and xxxxxx.

I hope this helps.

[Badgerboy]

Thank you all for your advice, I feel a lot more confident now. I will complete the form with a clear head tomorrow. Let's hope the bank backs down before we have to go to court.

 

Thanks again

 

Badgerboy

[reduk054]

Hi Badger Boy, I have posted all of my correspondance to the London, Gresham St address as per previous thread, which I am about to use for the court claim.

Hope that helps!

[Badgerboy]

I am sure you will point me towardds the Library ir FAQs but I can't see for looking.

 

Cheers

 

Badgerman

[Guest Lueeze]

its in the bank templates library!

 

Lou x

[Badgerboy]

Cheers Lou

[Guest Lueeze]

I wont be doing it again....you will have to look yourself next time but im in a good mood!