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I am currently trying to get £1,670 repaid from Lloydstsb I have sent the first letter off to them and they have replied stating that it was in my terms and conditions about the charges and that I should consult the OFT if I feel that I have been wrongly done to.

 

I am prepared to go to court if I have a small chance of winning, however I have heard that Lloydstsb are one of the only banks that do not repay charges that they have made. Lloydstsb have currently got me overdrawn by £670 and I am in dire mess through them I have missed a mortgage payment and a secured loan payment I have had my phone and internet turned off and my car insurance cancelled it is a living nightmare, I have been to discuss this with my bank and all they said was to pay the charges and to cancel all the direct debits.

 

But I need things such as my car,internet and phone for my work if I don't have them then I don't have any work and if I don't have any work then I don't have any money I am just going around in circles.

 

Can someone please help......:sad:

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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I am currently trying to get £1,670 repaid from Lloyds TSB I have sent the first letter off to them and they have replied stating that it was in my terms and conditions about the charges and that I should consult the OFT if I feel that I have been wrongly done to.

 

I am prepared to go to court if I have a small chance of winning, however I have heard that Lloydstsb are one of the only banks that do not repay charges that they have made. Lloydstsb have currently got me overdrawn by £670 and I am in dire mess through them I have missed a mortgage payment and a secured loan payment I have had my phone and internet turned off and my car insurance cancelled it is a living nightmare, I have been to discuss this with my bank and all they said was to pay the charges and to cancel all the direct debits.

 

But I need things such as my car,internet and phone for my work if I don't have them then I don't have any work and if I don't have any work then I don't have any money I am just going around in circles.

 

Can someone please help......:sad:

 

Hi first of all you are in the right place.

 

You need to read the Lloyds TSB forum in here where you will find lots of peopkle have alreadys claimed their charges back. But the best piece of advice is read the FAQS before you start anything so you know what it is you are doing, as we dont want you making any mistakes. place a thread in the Lloyds TSB forum and ask any questions you have in there.

Speak to your mortgage and secure loan holder and explain you have had a few financial difficulties this month and that the payments are latte (if they dont know already) but offer waht you can when you know you can make it.

Re the letter from lloyds refusing payment, go to the next step of the process and be firm with them, have no contact with them unless its to make the full offer. Also open a parachute account (see link below) just in case they close the account which has been known to happen. It may be a good idea to do this anyway and move DD SO and Bacs payments into there, but thats up to you. Good luck and keep us informed

 

Sue

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Thanks Sue I will do that straight away.:)

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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What do I do if my charges come to more than £5000 without court costs?

 

Should I just go for the amount plus the court cost and make it up to £5000 or just go for the full amount but I would not be able to use the small claims court.

 

Is it hard to take them through normal courts?:confused:

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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  • 3 weeks later...

I have sent my Prelim. letter off and got the standard Bog off letter I have then sent the Subject Access Request letter and also a letter to say that I would be claiming for any excessive charges that had been made to my account for the past six years.

 

I have just received a letter today saying that they had nothing to add to their first letter and that this is the final response from the bank and that if I remain dissatisfied then I should contact the FOS.

 

**What should I do when I receive my bank statements that I have requested. Should I issue a letter before action or should I just raise a court action for the amount I wish to claim? :confused:

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Anybody got any ideas yet??????

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Guest Niklowe
**What should I do when I receive my bank statements that I have requested. Should I issue a letter before action or should I just raise a court action for the amount I wish to claim?

I would suggest that you send an LBA. This, in the unlikely event you had to appear in court, would show that you had acted in a "reasonable manner".

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Thanks I thought I would anyway but just wanted to make sure

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Just read through my online statements and I have worked out that they have charged me over the past four years a total of £3470.00 well thats if I can claim for Excess overdraft charges.

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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LBA sent on the 4th Sept - I have just checked on the royal mail website and it was delivered on the 5th Sept, so do I have to wait 14 working days or just 14 days from them receiving it?

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Just 14 days from the date they receive it will do :)

 

And yes - you can claim back Overdraft Excess charges. It sounds as though you got the process somewhat mixed up, though - you're supposed to send the Preliminary Approach after getting your statements through ;)

 

Shouldn't cause too much of a problem. As long as you have the accurate figures to file your claim with, you should be fine :)

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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Yes I did get it a bit mixed up, but due to this website it has sorted me out somewhat.

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Thanks for that, I will no doubt be filling in my N1 form soon, thats when I will need the help. Basically on how to fill it in.

 

Also can I claim for charges on my credit card on a different claim, what if they offer me a settlement and attach T&C's to it not too sue them any more whould I have to cancel that as well. ( I know I am getting a bit ahead of myself here, and I know that it's never over until it's in the bank) Just keen to get these people sorted:D

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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If you have'nt already, have a look in the templates library - theres one in there for the N1.

 

Yes, you can claim for your credit card. As long as you don't think its to much to do at once, theres nothing stopping you starting the process for that straight away - so you have both claims going at the same time. Obviously though if you did agree to the condition of no future claims (which you are under no obligation to!), you would'nt be able then file a claim for the CC AFTER that.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Obviously though if you did agree to the condition of no future claims (which you are under no obligation to! - and would be silly to!), you would'nt be able then file a claim for the CC AFTER that.

 

One other minor point to make is that if you do file both claims simultaneously you may end up having to pay for both claims at the same time, which can be (temporarily) painful on the wallet if both are over £1500. Obviously, down to you though :)

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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Hi all,

 

Just had a look at my credit report and I have noticed it has got my Lloyds TSB credit card on it.

Nothing strange there then, but when I looked more closely at it, it says :-

 

Balance £729 Settled 28/02/06

 

Please can anyone tell how it can be settled but still showing a balance, I have been in to the local branch and they said that my account is clear, however if I require a copy of the closing statement it will cost me £25 (more bl**dy charges).

 

I got refused credit because of this and I have to write to the CRA's to get a notice put on it, but I have been told I would need confirmation that they is no balance on the account.

 

What can I do????

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Hi Datxman . . I think that bit on your credit report means that the balance on that date was owed, but you cleared the debt on that date.

Balance £729 Settled 28/02/06... So your balance was £729 and was settled in full on the date of 28/02/06. . . That information will stay on the file for about 6 years..Hope this helps, unless you have'nt paid it. . Lol . . .

 

Oh by the way...any statements you need can only cost a maximum of £10 for the whole lot..Data held by them is £10 only.. not per page. . Most give this out free. . .

 

 

Good Hunting UKAVIATOR ..

 

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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No my balance was more than that, and a credit company said that it is still showing a balance so they could not go ahead with my application?

 

It weird......

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Share on other sites

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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Thanks for that Reload It is going to take a while for me to go through them.

 

Here goes......

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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I have sent the LBA to lloydstsb but I have new charges to include. Do I need to inform them of these new charges or can I just put them on to the claim when I file it? If I do need to inform them do I then need to give them a further 14 days?

 

Sorry for all the questions.

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Its up to you to be honest, it will be served on them anyway either way but yes you could write to them telling them you are about to serve your court claim and here is a revised schedule of charges. The 14days is only a guide that the courts set to show a reasonable time frame for them to pay but now you have given them enough time i would write to them but putting in the date you intend to file the court claim on them whenever that will be as they have already told you to sod of twice so they don't intend to pay you so you don't need to give them another chance.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 2 weeks later...

I have received a letter today saying that they had nothing more to add and that the bank has already issued it's final response. So I just need to collect some money together so that I can get the N1 issued.

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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Then the real fun starts.....

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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