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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

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alvabay

By alvabay
in Lloyds Bank

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alvabay

alvabay

Posted
Posted

Sent off my claim for £1053 plus £161 interest last week. Received the standard fob off letter this morning.

 

I am now sending another letter demanding payment within 7 days or court proceedings will commence.

 

Does anyone have an opinion on whether it's worth claiming compensation for stress caused, etc. If so, are there any guidelines on how to work out a realistic figure?

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HD

HD

Posted
Posted

Welcome and good luck with your claim.

 

From what I have read on other threads if you want to claim for distress etc. you need to provide letters from doctors and list time taken off work due to the stress that the actions of the bank have caused.

 

i know it's caused me a lot of distress and I'm sure it's caused others even more; but I'll be happy getting MY money back from them.

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alvabay

alvabay

Posted
  • Author
Posted

Yeah, I don't suppose a compensation claim would be easy. However, to contest one, the bank would have to go to court and, as we all know, they don't want to do this. So if the compensation claim is reasonable, surely they will pay it to avoid appearing in court.

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  • 1 month later...
alvabay

alvabay

Posted
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Posted

Having looked through the site, I am clear on everything except what interest I can claim back.

 

As I understand it, the only interest I can get back is 8% of the illegal charges, which is done when I file a claim with the court.

 

So, the procedure is as follows:

 

1) Initial letter claiming back the total amount that was illegally taken (but not including interest).

 

2) A second letter in response to their 'get lost' reply, saying I will take them to court in 14 days if they refuse to pay up.

 

3) When the 14 days is up, I file a claim with the courts, at which stage I add the 8% interest.

 

4) They pay up after stalling as long as possible.

 

Can someone confirm that I have got this right.

 

Thanks

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fivelaws

fivelaws

Posted
Posted

Yup, spot on.

 

The only exception, which some people are trying (or talking about trying) is where 100% of the overdraft interest accrued was as a result of the charges. It's so hard to work out, unless you are a maths guru, that the majority of people aren't even trying to work that one out!

 

Good luck!

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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fivelaws

fivelaws

Posted
Posted

No probs.

 

illegal charges

 

Actually, being a bit pedantic I know, but they aren't illegal - just unlawful. There is a small but subtle difference.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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fivelaws

fivelaws

Posted
Posted

Don't use that tone of voice on me young man/lady!

 

I do say so...

 

:)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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caro

caro

Posted
Posted

is where 100% of the overdraft interest accrued was as a result of the charges. It's so hard to work out, unless you are a maths guru

Sorry to be pedantic :D, but this is not strictly accurate. There are 2 spreadsheets in the library, one calculating 8% on the charges, and the other calculates the proportion of overdraft interest that relates to charges, and is quite easy to use. The proportion of overdraft interest relating to the charges is, I believe, what is generally being used by those claiming interest. This has increased one of my claims by £185, which I feel is only fair that I claim as I shouldn't have paid it in the first place.

 

It us up to you if you want to claim it or not.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, 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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fivelaws

fivelaws

Posted
Posted

Caro - In fairness, despite the spreadsheet from Vampiress - it's still a bloody minefield! I took one look at what was needed and fainted from brain freeze! Though I admit, that's because of the added complication of an eternally varying overdraft and the throughput on the account coupled with the number of charges. I wouldn't mind the extra couple of hundred quid, but not if it takes me six years to work it out! :-)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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caro

caro

Posted
Posted

The choice is yours, but I found the spreadsheet quite simpe to use. Then again I use excel all day every day at work so I am used to working with it, but it really isn't that bad to use. Vampiress has done the hard work so we don't have to.

 

I just wanted alvabay to be aware of the options available.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, 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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alvabay

alvabay

Posted
  • Author
Posted

Thanks CARO - you've answered my question. I thought that I must be able to claim back the interest the b.....d's have charged me as well as the capital. If that's the case though, whats the 8% for?

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fivelaws

fivelaws

Posted
Posted

I've given up!

 

Caro?

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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caro

caro

Posted
Posted
I've given up!

 

Caro?

 

lol Oh no what a responsibility. When and only when you have reach the Moneyclaim stage you can add on an additional 8% to your claim, backdated to the date the charge was taken from your account. This is on top of the overdraft interest and is the standard Moneyclaim rate (I believe).

 

fivelaws is absolutely right, it is a minefield and lots of people don't bother with interest. The answers I have given you are based on my extremely limited understanding. If you wanted to delve further into this minefield there are a few threads with lots of debate and speculation by much more knowledgeable people than me, but what I have told you are the basic tried and tested methods as I understand them.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, 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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dinghy

dinghy

Posted
Posted

I think that you'll find that you cannot claim both sets of interest... It's one or the other... Either the interest they have charged or the 8% but not both... Although I may be wrong...

 

As Caro suggested have a look round as there is plenty of discussion on this... And ATEOTD it's you that is claiming and you need to be confident for yourself...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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caro

caro

Posted
Posted
I think that you'll find that you cannot claim both sets of interest... It's one or the other... Either the interest they have charged or the 8% but not both... Although I may be wrong...

 

As Caro suggested have a look round as there is plenty of discussion on this... And ATEOTD it's you that is claiming and you need to be confident for yourself...

 

I beg to differ, at the moneyclaim stage you can claim both, but you are right, you need to be confident that you are doing the right thing for yourself. It is on your terms. It has taken a lot of reading on this site to get to the stage that I am confident in what I say, but read my signature.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, 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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fivelaws

fivelaws

Posted
Posted
I beg to differ

 

FIGHT! FIGHT! FIGHT!

 

:)

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Janet-M

Janet-M

Posted
Posted

No

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Janet-M

Janet-M

Posted
Posted

MODERATED

All threads joined - please keep to the one thread when updating , thanks

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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bram stoker

bram stoker

Posted
Posted

Hi folks, I heard my name mentioned. Oh my, we are in a pickle.:D

 

Here's my two penny's worth...

 

The bank took penalty charges from you unlawfully.

The bank charged you interest.

Some of the interest is on your overdraft, some is on the penalty charges.

If you weren't charged the penalty charges, the interest charged would be less.

My spreadsheet apportions the inerest you have been charged between the overdraft and the cumulative penalties charged to that date.

All you need is the figures for penalties, interest, account balance, and dates. Details of which are in the notes in the spreadsheet.

 

It's not so complicated once you take a good look.

I have a Works version of it too if anyone wants to PM me with a request for it.

 

Hope this helps.

Vamp. x

[

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  • 6 months later...
GaryH

GaryH

Posted
Posted

Good luck alvabay!!! Not that you'll really need luck, just a bit of patience.;)

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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  • 12 years later...
alvabay

alvabay

Posted
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Posted

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Please

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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