@asklloydsbank Unfair Credit Card/Bank Current Account Package Charges***Refunded***

[CuriousBee]

Can I ask some one please let me know if it is too late to claim any bank charges (O/D and other late payments etc).

 

Many thanks

[dx100uk]

typically only under hardship

 

tell us more please

 

times

bank

account ype

 

dx

[CuriousBee]

Hello DX

All the credit cards now been paid off and settled.

 

 

However,

having read some interesting articles here just wondering if there is any chance of getting the unfair charges refunded.

 

I am sure there must be a time limit as well.

I do have one card company with whom I have a dispute with and it is a small amount which I now believe gone into a DCA.

 

 

need to gather all the paper work etc. and get back to you for advice.

It will be SB'd sometime this year so don't want to upset the things yet.

I will get back to you on that later.

 

But the all the cards that have been settled had so many unfair charges such as late payment charges etc.

 

Would appreciate if you could please let me know.

 

Many thanks

[dx100uk]

if they are credit card charges.

and if they are within 6yrs you have a very good chance

[AndyOrch]

Can I ask some one please let me know if it is too late to claim any bank charges (O/D and other late payments etc).

 

Many thanks

 

So not current account bank charges but credit card charges ?

 

Thread title amended.

 

Regards

 

Andy

[CuriousBee]

Thanks very much.

 

 

I am digging out all the paperwork (statements etc) and will get back for further advice.

 

 

I did send a SAR to Lloyds and got all the documents that I need. I

also had a premier account which I had to pay £25.00 every month to keep the account.

 

 

I do remember telling them that I do not need the insurance etc., as I don't drive and other insurance I don't need.

 

 

I am now looking for all the paper work. I had so much trouble with these companies I feel strongly about the charges.

 

Hi Andy

Yes current account and credit card charges. I am getting the paperwork that I can find and get back to you soon.

Many thanks for your help.

[dx100uk]

yes you can also reclaim those packaged account fees

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?459427-Reclaim-Packaged-Current-Accounts-Deal-Fees

[CuriousBee]

Thanks DX.

 

Here is a brief summary.

 

I have a Current Account with Lloyds Bank which I had it for many years.

Got into financial difficulties and was trying to pay the mortgage and other debts at the time.

 

 

I did ask the bank to consolidate everything and to put everything onto the loan that I had but was refused.

 

 

My overdraft charges and returned direct debit charges were astronomical.

That led me into more and more debt every month.

 

 

In 2014 I was made redundant and I sold the house as the mortgage payments were high.

Everything was going bad way for me and I wanted to get rid of all the debts.

Hence no debts from June 2015.

 

 

I thought I had an arrangement with the Lloyds to pay off the loan,

but I cannot remember how it happened

a DCA took over and the next thing I know was I had a CCJ by default.

This is all now paid off.

 

 

I wrote to the Courts to say that I did not receive any claim forms but they ask me to fill a form and I sent off,

and the next thing I know was that I had a CCJ.

 

 

I did not know about this forum at the time and I was stressed out not having a job so only thing I could do was to sell the house so I could pay every creditor off.

 

Since 2011 I was charged an Overdraft usage fee although my overdraft was agreed.

Not sure why this charge though.

 

 

I only used the charges from 2010 as I believe prior to this I may not be able to claim.

 

LLOYDS BANK CHARGES FROM JANUARY 2010 TO JUNE 2015.

2010 1105.25

2011 419.65

2012 555.02

2013 407.37

2014 399.4

2015 280.39

TOTAL 3167.08

 

I also had other credit card which had unfair charges.

I need to get all the paper work to find out.

Many thanks for your help.

[dx100uk]

sounds like your were fleeced blind

no wonder they sold things on

[CuriousBee]

Hi DX

- yes when you are in that helpless situation the banks that promise everything at the beginning do not support and they just give it to a DCA to sort out.

 

I am going to send a letter to Lloyds Bank re Account fee charges as it was given to facilitate the higher over draft.

I did not ask and it was automatically put on. So that is the first thing to do.

 

Then I am going to send a letter regarding the unfair charges.

 

 

Is there a letter that I can send to them (nicely worded).

That I would send them tomorrow.

I hope I am within the time limit.

Thanks for your help.

[CuriousBee]

Hi DX - can you please check if this is the correct address to send the letters:

LLOYDS TSB BANK PLC

25 GRESHAM STREET

LONDON

EC2V 7HN

 

Many thanks

[dx100uk]

yes we've seen that one used before

[dx100uk]

you ideally should be calculating your expected returns using our spreadsheets

before blindly sending letters...

else they'll take you for a mug and short change you.

[CuriousBee]

Thanks DX.

 

can you please help me to start the process.

 

Where do I get the template letters and the spreadsheet from?

 

I have not sent any letters yet.

 

Would appreciate any help with the process please.

 

Thanks

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

if they charged interest on the fee or PAC fees then use the CI SHEET

else the statint sheet if they didn't

 

as for the letters they are in the library and that other link above

bit busy

 

ask away latter

 

dx

[CuriousBee]

Thanks.

 

They charged me a fee which states Over Draft Interest charge.

 

Then in 2011 started charging me Over Draft Usage fee.

 

On top of that returned direct debit fee and unplanned over draft fee.

 

So I would need to put all these onto the spreadsheet?

 

As for the letter I cannot access the letter.

 

Can you please attach the letter.

 

Many thanks

[dx100uk]

then you 'll use the CISHEET and pop their OD int rate in cell D 15

you cant directly reclaim the Over Draft Interest charge

nor I don't think the usage fee

 

but the sheet will calc the interest all the penalties have attracted

 

you might get lucky with the bank charges

 

but you can certainly reclaim credit card stuff inside 6yrs.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-LEGAL-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

[CuriousBee]

Hello DX

 

I have been looking though the bundle of documents that I received regarding the current account, loan and credit card account.

 

I can only find the documents relating to the loan and credit card,

cannot find any letters sent from the bank to me regarding over draft or any other information regarding the current account.

 

I cannot even find anything with my signature when I took the current account and when they gave me the Premier account.

Also cannot find the interest rates they charged me for the over draft.

 

What Rate do I put on the cell D 15 of the CI spreadsheet please?

 

Is this the interest rate the bank applied?

 

Can this be a standard rate for all banks?

 

[/b]I have paid off the overdraft amount now and I don't think it was registered as a bad debt on the CR file. Still has a current account with them.

 

Do I need to write to the bank asking what interest rate they applied to the overdraft?

Thanks for your help.

[dx100uk]

summary of account letters

where they detail what each month they charge you [ the £6] usage fee

18.86%

[CuriousBee]

summary of account letters

where they detail what each month they charge you [ the £6] usage fee

18.86%

 

Hi DX Where did you get the 18.86% from? I don't have any letters. All I have is the statements, and at the bottom of the statements it says the over draft interest, usage fee and unauthorised over draft fee etc.

 

So I will use the 18.8% in the cell D 15. I am doing this now and will send over soon and would appreciate it if you could please have a look.

Thanks again.

[CuriousBee]

Hi DX I tried to put the figures onto the spreadsheet that it comes up with VALUE### etc

 

Claim From: 04.01.2010 Claim To: 01.06.2015 Total #VALUE!

 

Interest Rate (APR): 18.86%

 

 

"Date of

Charge" Description "Amount of

Charge" "Number of

Months Elapsed" "Compound

Interest"

 

04.01.2010 Over Draft Interest fee £7.32 #VALUE! #VALUE!

Unplanned Over Draft fee £27.00

01.02.2010 Over Draft Interest fee £6.70 #VALUE! #VALUE!

Returned Direct Debit £20.00

01.03.2010 Over Draft Interest fee £6.64 #VALUE! #VALUE!

Unplanned Over Draft fee £78.00

01.04.2010 Over Draft Interest fee £16.77 #VALUE! #VALUE!

Unplanned Over Draft fee £51.00

 

Why does this keep appearing?

Have I done something wrong here? I put the interest as you said 18.86% and start putting the numbers.

Can you please help?

Many thanks

[dx100uk]

tell your PC/MS office you are in the UK not USA

[CuriousBee]

I have changed the settings to say UK. Please see attached.

Thank you.

[dx100uk]

now go back and read post 17 again..........