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Lloyds Business Account and Loan Help


daph4ntom
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Hi everyone,

 

I need some advice my mum has a business account which is now closed but I am looking to get her some money back.

 

She has a loan which she is paying back but she has been charged loads in charges, are you able to claim these charges back? :mad: They are the worst bank I have dealt with they have not responded to letters that she is having difficulty and they keep on charging her. :(

 

My mum has a T/A (trading as) account...

 

Any help would be much appreciated.

 

:)

Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030 :mad:

 

Request for Statements Sent: 9th October

Got statements from RBS pretty quickly

Premliminary Request Sent: 23rd October

Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)

Sent off Letter Before Action: 27th December 2006

Recv Letter saying please be patient!

20 Jan 2007 - Full refund offered!!!!! :-)

 

Daph4ntom's Parents Business Acc VS LTSB

Request for Statements Sent: 3rd November

Eventually Recv Statements

Premliminary Request Sent: 27th December 2006

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Hi everyone,

 

I need some advice my mum has a business account which is now closed but I am looking to get her some money back.

 

She has a loan which she is paying back but she has been charged loads in charges, are you able to claim these charges back? :mad: They are the worst bank I have dealt with they have not responded to letters that she is having difficulty and they keep on charging her. :(

 

My mum has a T/A (trading as) account...

 

Any help would be much appreciated.

 

:)

 

hi and welcome,

You certainly can get the charges back and yes I know LLoyds are absolute s****. It will be the unfair contracts act you will rely on and there is a template letter for business's in the libary which you can use and adapt. You are able to claim back the unpaid DD's and SO as well as returned cheques and total charges applied to her accounts. Even though it is a business account as a sole trader you are treated the same as a consumer. Get all the six years of statements from the bank first and then start process with a preliminary letter. Take your ime and if you do a search on forum and type in business* it will bring up lots of threads for people going after business accounts. Have a good read and don't worry you will get the money back if you follow the process and don't rush it. It doesn't matter that the account is now closed either.

Goodluck!:-)

17th august 06-claimed back 725.00 from HSBC in full (personal account)

28th august -just added up over 19,000 in business charges with husbands HSBC account! ABOUT TO START PROCESS OF RECLAIMING MONIES.

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Thanks Dolfos,

 

As my mum still has a loan are they likely to ask for full payment etc or further complicate her financial situation?

 

D.

Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030 :mad:

 

Request for Statements Sent: 9th October

Got statements from RBS pretty quickly

Premliminary Request Sent: 23rd October

Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)

Sent off Letter Before Action: 27th December 2006

Recv Letter saying please be patient!

20 Jan 2007 - Full refund offered!!!!! :-)

 

Daph4ntom's Parents Business Acc VS LTSB

Request for Statements Sent: 3rd November

Eventually Recv Statements

Premliminary Request Sent: 27th December 2006

Link to post
Share on other sites

Thanks Dolfos,

 

As my mum still has a loan are they likely to ask for full payment etc or further complicate her financial situation?

 

D.

was the loan for the business or is it seperate and a personal loan?

17th august 06-claimed back 725.00 from HSBC in full (personal account)

28th august -just added up over 19,000 in business charges with husbands HSBC account! ABOUT TO START PROCESS OF RECLAIMING MONIES.

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Share on other sites

It was a business loan.

 

I have looked into the total loan amount and decided to go for it anyway well getting the statements stage. Lets see what happens...

 

D.

Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030 :mad:

 

Request for Statements Sent: 9th October

Got statements from RBS pretty quickly

Premliminary Request Sent: 23rd October

Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)

Sent off Letter Before Action: 27th December 2006

Recv Letter saying please be patient!

20 Jan 2007 - Full refund offered!!!!! :-)

 

Daph4ntom's Parents Business Acc VS LTSB

Request for Statements Sent: 3rd November

Eventually Recv Statements

Premliminary Request Sent: 27th December 2006

Link to post
Share on other sites

  • 2 weeks later...

Requesting Statements from:

 

Data Controller

Lloyds TSB

25 GRESHAM STREET

LONDON

EC2V 7HN

 

Let's see what happens...

Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030 :mad:

 

Request for Statements Sent: 9th October

Got statements from RBS pretty quickly

Premliminary Request Sent: 23rd October

Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)

Sent off Letter Before Action: 27th December 2006

Recv Letter saying please be patient!

20 Jan 2007 - Full refund offered!!!!! :-)

 

Daph4ntom's Parents Business Acc VS LTSB

Request for Statements Sent: 3rd November

Eventually Recv Statements

Premliminary Request Sent: 27th December 2006

Link to post
Share on other sites

Hi, my advice is to take up the fight. Do you're homework, follow the stages. I have a loan with LloydsTSB. I cancelled the Direct Debit because I wanted to pay by cheque, but they took the payments anyway by DD & then charged me! I requested bank statements for £10 & have sent letters. Up to Court stage, so don't lose hope. Youre in the right place! Missmarcy

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  • 2 months later...

Been snowed under at work and during this time LTSB have taken a long time to get my mum's statements to her claiming I did not specify an account number (WATEVA!)

 

I have posted the preliminary request (27 December 2006) so let's see what happens.

 

The amount outstanding over £3000 in 3 years!!!! :evil::evil:

Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030 :mad:

 

Request for Statements Sent: 9th October

Got statements from RBS pretty quickly

Premliminary Request Sent: 23rd October

Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)

Sent off Letter Before Action: 27th December 2006

Recv Letter saying please be patient!

20 Jan 2007 - Full refund offered!!!!! :-)

 

Daph4ntom's Parents Business Acc VS LTSB

Request for Statements Sent: 3rd November

Eventually Recv Statements

Premliminary Request Sent: 27th December 2006

Link to post
Share on other sites

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