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Lloyds TSB defending claim, feeling scared!


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Spiceskull, do you think a good approach would be not to quote a figure at all? Just state that it will cost them if they want you to sign it then? It's a kind of no lose situation, if they offer you more cash, bonus. If not then you can tell everyone all about it....................

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Have you told him yet? (If not, better wait till you've actually got the money)

 

Rang him at work earlier to gloat, and I did gloat big time! He wanted to know why I hadn't told him, and I told him the truth, being that if I had mentioned it, he would have discouraged me all the way. Easier not to mention it in case it went against me too!

 

I got one lot of 'well done' from him, then a lecture on my irresponsible spending habits in managing to rack up so many charges.

 

Some people, hey?

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Spiceskull, do you think a good approach would be not to quote a figure at all? Just state that it will cost them if they want you to sign it then? It's a kind of no lose situation, if they offer you more cash, bonus. If not then you can tell everyone all about it....................
Personally...? No. If you say you don't agree to the terms without a financial incentive, they could withdraw the offer and see you in court. Believe me, they are looking for people to make more of the claim than the claim itself. You can be sure that they will have an angle like this covered, and prepared for a hearing...

 

I'm not saying this will happen, but don't dismiss it out of hand. As I say, if they want to offer they will. If they don't then don't ask, and don't agree to the term. It's a bummer, I know, but why take the risk?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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I got one lot of 'well done' from him, then a lecture on my irresponsible spending habits in managing to rack up so many charges.

 

Some people, hey?

If he doesn't want to share it, I'm sure you could spend it all on your own!

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Good answer Spiceskull. To be honest I'll be more than happy just to recover what I'm owed. Just thought it might be interesting to kick em when they're down.

Might try it again on a claim where I'm only owed a few quid just to see what happens...

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Good answer Spiceskull. To be honest I'll be more than happy just to recover what I'm owed. Just thought it might be interesting to kick em when they're down.

Might try it again on a claim where I'm only owed a few quid just to see what happens...

You really really want to ask, don't you? Go on, admit it!

 

Well, if you are that determined then who am I to dissuade you? The only advice I would give is to go with your last paragraph - do it from a really advantageous position...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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The way MonseoST24 did it, was to reply "...accepting the offer as full and final settlement of the claim. However, confidentiality is a separate commercial issue between us which would be considered for a fee of £5000."

 

This way, it separates it from your claim and makes it impossible for them to do anything than to pay up the claim, and either discuss, or not, the issue of confidentiality separately. They chose to pay up and shut up...

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They chose to pay up and shut up...

 

Interesting........ The thing is I really don't want to mess up my claim on the chance I may or may not get paid for keeping quiet.

 

As a matter of interest how much was the claim for, against which £5000 was given for silence?

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The £5000 wasn't given; the bank just paid the £3000-odd claim and stopped pressing the confidentiality issue... sorry I didn't make that clear.

 

Basically it went:

Bank: "OK we'll pay your £3000 but we want you gagged"

MST24: "Well, thanks for paying the £3000 which I gratefully accept but you can gag me for an extra £5000 as gagging is a separate issue"

Bank: "Here's your £3000, and good day to you Sir"

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Bank: "Here's your £3000, and good day to you Sir"
;););)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Ahhhhh, geddit now. Assumed you meant they paid up £5000, duh. It's late and I should be asleep, hence being a bit slow.
...that makes two of then...:(:(:(

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Just had a look at the letter and noticed it differred to the others as it didn't ask me to come in for an account review. It did state that as I don't have an overdraft limit I must maintain the account in credit. The strange thing is I do have an o/d limit of £850 and am currently o/d by £400.

 

I just logged on to internet banking and the limit is showing on screen. Does this mean they intend to take away my overdraft facility?????

 

Most odd.

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Hi All

 

Just thought I'd share the good news with you all and let you know that this all pays off in the end.

 

bowdown.gif

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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Just had a look at the letter and noticed it differred to the others as it didn't ask me to come in for an account review. It did state that as I don't have an overdraft limit I must maintain the account in credit. The strange thing is I do have an o/d limit of £850 and am currently o/d by £400.

 

I just logged on to internet banking and the limit is showing on screen. Does this mean they intend to take away my overdraft facility?????

 

Most odd.

 

 

No, it just means that they are EVEN DOZIER THAN WE THOUGHT!!!!!!!!!!!!!!

 

Congrats anjumanji

 

Onwards and upwards

 

Elsinore

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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  • 12 years later...

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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