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fiona v lloyds/tsb - ** WON **


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Well after three weeks of trying to get my statement from India.

 

I decided to go into my branch for one last try before I sent my letter off.

 

To my astonishment they were very helpful

 

Asked them if i could possibly have 6 yrs worth of statements.

 

"yes no problem I will put in a request for you" the spotty cleark told me

"All I need to do is take some details"

 

Gave him all my details and he told me I will ring you if as soon as they come into the branch "be about two/three days"

 

OK

 

In the mean time I've typed my letter address it and enclosed my £10.00.

 

Got to work this morning have a voicemail from Lloyds/Tsb to tell me my statements have arrive.

 

And low and behold got down to the branch and there they are.

 

(Must point out at this point was not asked why I needed them)

 

So tonight going through them all to calculate my charges and interest.

 

Sooooooo much paper

 

Still worth it in the end

 

Fi

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Hi Fi,

 

Did you actually send the DPA request as well? If not, then you should do. This extends the request to 'all transaction history' and 'details of manual intervention.'

 

It is just a precaution, but if they send the details, and no indication of manual interevention, you have covered your back in the eventuality that they claim manual intervention DID take place.

 

Good luck.

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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  • 4 weeks later...

Good luck Fiona :D

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. but it puzzles me why in the template letter it includes it??????????

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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As previoulsy wrote in a previous mail their 14 days are up, and am getting ready to sent my lba letter.

 

On reviewing what has previously been sent, i think that I have made a mistake. I have included my overdraft excess fees.

 

I have spoken to the bank this everning to enquire about my the overdraft excess fees and they have informed me that there is a £5 charge for everytime I go over my overdraft up to a maximum of £90 per month.

 

Upon further reading on this site I now belive that overdraft excess fees are not reclaimable. Am I correct in thinking this. If so then my total amount claimed in my perlim letter is incorrect.

 

What do I do ?

 

Can I change the amount in the lba letter without mentioning the mistake or will I have to mention it.

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ok.. realise i hadnt made a mistake as i can claim all the money..

 

handed in my lba today for the full amount to the branch to the same person that sorted out my statements..

 

upon reading my lba he said "oh dear, if i knew it was relating to bank charges i wouldnt have been able to give you the statements"

 

oh well never mind lol

 

14 days and counting:):p:)

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received the standard fob off letter ..... so do i now just wait for the 14 days and proceed to court or is there anything i need to do beforehand?

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below i have copied my particulars of claim. i have used the rough template and added the section about the 8% interest...

a couple of things

 

1) it comes to 1006 words

2) the very last bit about daily rate of interest???? what do i put here

 

3) please can someone ok what ive done and even better shorten it for me so its under 1000 characters

 

thanks

 

 

 

I have a contract with the defendant bank

dated nov 1997 and which is conducted on their standard terms and conditions. I am claiming the return of money taken by the defendant in the way of charges over the last 6 years. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. i also claim interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 01/08/2000 to 10/03/06 of £917.24 and also interest at the same rate up to the date of judgment or earlier payment at a

daily rate of ?.

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decided that im not going to claim anymore. :(

 

i have 4 1/2 years of a ccj to run and if they close my account ill lose my debit facilities because my parachute account will only give me an electron card. its been a difficult decision as its £4500 and i got into this financial mess because i was robbed of thousands by an ex-boyfriend:-x:-x:-x

 

ive also been finding it harder to get answers recently and feel maybe this isnt such a good idea..

 

good luck to all in your claims, i hope you all win:D:D

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AFAIK Lloyds haven't closed anyones a/c yet. Would it be likely that they would close yours?

 

Whether to drop your claim is your decission. I would personally look at the pros and cons carefully. Is the CCJ related to Lloyds or a different institution?

 

It does seem to take longer at the moment to get advice. I think that having 21,500 users might have something to do with it!!

 

I'm sure a mod will be along soon to give you some more detailed information on closure and ccj's.

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Hey Fiona, I know how you are feeling, but please don't give up. This money is yours, and I can only imagine that the amount you wish to claim will make huge positive impact on your life. The MODS have so many threads to look at/edit etc that it will take a bit of time, but they will get round to yours. Just hang in there. Wait a while, take a deep breath, gather your thoughts, then go out there and get back what is rightfully yours.

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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Fiona, don't give up!!!!! I got a letter a few day ago offering to settle. so there is light at the end of the tunnel.

 

With regards to your questions.

 

No1 use abbreviations and take out any extra words, eg change 'standard terms and conditions' to 'standard T&Cs'. You could start with 'Claimant has account with defendant dated.....' and then shorten the next sentence to read ' Claimant requires return of funds taken by way of charges....' etc

 

No2 work out how much is owed at the date of the claim including the 8% interest. Work out the monetary value of this at 8% and this will be the daily rate.

eg: £4,500 inclusive of 8% interest to 01/06/06. £4,500 x 0.00022 = 99p per day.

 

I've been through this and am now doing the claims procedure for friends and family. So if you need any help of support just PM me and I'll do what I can.

 

Angie

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fiona please don't give up ITS YOUR MONEY! i've to have a ccj i have recived asettlement letter to pay in full you will get plenty of support from people on here this is what the banks want look at my thread i have also though about giveing up but to think that they have £1800 of MY money and i want it back so please don't give up

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well i decided to go for it... thanks for the encouragement... i got the particulars under 1000 words and filled my claim so going all the way now:razz:

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  • 3 weeks later...

Go for it u will get your money back all the best just read your thread, so glad you did not give up i bet so many have, u will soon have your 4500 pounds back.

Good luck

Regards

adamski

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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That's a hell of alot of money - worth the small amount of stress eh?! Good on you for sticking in there.

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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Best of luck Fiona, please keep the site posted with all the details of what happens. We are all in this together, and lots of people read the information on other's threads, and gain confidence and knowledge. Not everyone will be in a position to reply, but everyone is behind you!! Glad you went for it!:wink:

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Blimey, how did I miss this one?

 

Well done for sticking it out Fiona. Remember, we're here for you - although we might be a bit busy and slow to reply on occasion ;)

 

If you need help urgently, you can always of course PM a frequent poster or one of the mods - most of us hang around the site like a bad smell these days, and you're sure to get a response ASAP :)

 

Atta girl!

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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  • 2 weeks later...

Just to keep you guys updated I have recived Lloyds/Tsb defence and my court questionaire today.

 

I have a few questions about it as was wondering if somone could help me.

 

D Witness - I think I should put 0 Can someone confirm

 

E Experts - I assume i put no, on this - Can someone confirm

 

 

Thanks

 

FW

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