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Annoyed and ripped off.....hello!


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Hi all, if you don't mind I'll give you a run down of my situation...

 

After the birth of our first son my husband and I started to have a few financial difficulties, nothing that we couldn't dig ourselves out of with some extra careful budgeting and hard work-or so we thought!!

 

Ever since we have been in a downward spiral, getting deeper and deeper into debt and I lay the blame SOLEY on the unfair charges which my bank LTSB have levied on my account over the last two years (I also have a credit card and loan with LTSB) One month we had a couple of cheques bounce and went over the agreed limit and my charges for that month went well over £100! Couple that with the obvious fact that we were in financial difficulties to have gotten ourselves into that situation and it's playing catch up ever after. If it wasn't for the charges, we would have been able to get our finances in order after a few months, as it happened until now (2 years on) we have been thinking of filing for personal bankruptcy. I have recently been willed a small amount of money which I will use to pay off my debt....not before I get every single bloody penny back in charges from those cowboys that call themselves Lloyds TSB.

 

Anyhow, thanks for listening. I will detail how far I have got with the reclaimation process on the relevant thread.

 

Katy

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It is a sad but all too familiar story, thankfully you've come to the right place!

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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