ALAN v LLOYDS ****WON****

[Alan Rose]

Hi All

 

I have just started from what i have been reading the long drawn out process of reclaiming £2267.10p back from Lloyds, I have sent Prelimary Approach letter Dated 13th Nov along with spreadsheet of charges that were drawn on my account for the last six years, i will sit back and wait, and will keep you informed

 

Let The Battle Commence

 

Regards

 

Alan

[BARTY]

Good luck Alan!

Barty

 

 

 

 

I WON!!!! :grin: :grin: :grin:

http://www.consumeractiongroup.c o....loyds-tsb.html

[stephanie.reed]

Hi All

 

I have just started from what i have been reading the long drawn out process of reclaiming £2267.10p back from Lloyds, I have sent Prelimary Approach letter Dated 13th Nov along with spreadsheet of charges that were drawn on my account for the last six years, i will sit back and wait, and will keep you informed

 

Let The Battle Commence

 

Regards

 

Alan

 

Hi Alan,

Have today sent my Letter Before Action to Lloyds TSB.

After my prelim letter, I got a standard "We're sorry to hear about your complaint..." letter. Today I received another "We feel our charges are fair blah blah.." and "no, we will not refund your charges blah blah..this is the bank's last say on the matter, blah blah". So bring it on. Will keep you informed- they have until 6th December to respond- OR ELSE!!!!!

good luck and keep us informed!!

Steph

[Alan Rose]

Good on you Steph

I have not recieved any letter to date From LLOYDS but i will be ticking off the dates on the calender and getting my LBA Ready to post

 

All the best and keep us informed

 

Regards

 

Alan

[Alan Rose]

Recieved letter from Lloyds Today

i thought it would be a get stuffed letter but it was

Suprise Suprise !!!! A Notification of Charges for period 14th OCT To 14th Nov 06, another £95.00, just before Xmas, Loverley

MAKIING ME MORE DETERMINED THEN EVER

 

Alan:-x

[killsville]

Another £95 to claim back then Alan!

 

When will these idiots realise that they can't get away with it anymore?

 

Best of luck with your claim - I'm just starting out with mine but if what I read on these forums is anything to go by, I can't wait to get stuck in!

[Alan Rose]

Thanks Killsville

 

Good luck with your claim, keep us informed

sock it too them

 

Alan:-x

[stephanie.reed]

Hey Alan!

Started a new thread the other day (steph v Lloyds TSB- how original!)

Basically our favourite bank moved my accounts to collections. Forced to phone them and then totally patronised by call centre worker on end of line!!

 

But don't forget their new motto (as found on the outside of some junk mail received from them the other day...) "You First!!!"

 

There is light mate.......

 

Steph:smile:

[killsville]

But don't forget their new motto (as found on the outside of some junk mail received from them the other day...) "You First!!!"

 

Shouldn't TSB have put:

 

"Us first, customer second!"

[killsville]

Basically our favourite bank moved my accounts to collections.

 

The same has happened to my account.

 

They are dead easy to fob off. I was getting calls every other day from them so, whilst remaining very polite, told them that they would not achieve anything by ringing or sending standard letters.

 

They can if they want put a hold on calls. Just tell them that you are waiting for another department to respond to your letters. If they take no notice, complain and make them work for their money!

[Alan Rose]

What does it mean when your account is in collections, i have not come across this one, ?? I had a run in with my bank a couple of month's ago they sent me a letter saying that they could not pay one of my d/d as it would have taken my account into arrears of 12p and had the kneck to say if we could help in any way they would, i rang and spoke to someone at a call centre, and explained that if they did not charge £35.00 for cancelling my d/d then i would not be in this situation in the first place, and what about the help offered, well you can all guess what there answer to that one was.

Keep on making them have it you guys & Galls

 

Two Days and counting for me to send LBA

 

Alan:)

[killsville]

Collections is basically just another department who pester you for the money back when you go overdrawn. Some of the calls come from TSB's 'Indian' branch! I usually ask to be put through to the UK as they usually struggle to understand my broad Yorkshire accent!

 

I've stopped using my account but it is slightly overdrawn because of some charges.

 

After a few weeks I finally got it into their thick skulls that I will not be repaying the money at the present time. Not a flat refusal but I have made them aware of what is happening. They are no longer threatening me and probably realise what is coming - a BIG FAT CLAIM!

[Alan Rose]

Thanks Killsville

for the info

 

Keep up with the good work

we are all behind you

 

Alan:)

[killsville]

Keep up with the good work

we are all behind you

 

Alan:)

 

Cheers Alan! I'll be sure to tell TSB next time they ring that I am backed by thousands of people - see if that puts the willies up them!

 

However, I think they already know about the backing as I bought a sheet of C.A.G labels. They sure do look beautiful on the front of an envelope!

[Alan Rose]

Hi All

 

Just to let you Know LBA Letter Sent Today

 

Keep on Trucking

 

Alan:smile:

[fingerscrossed4299]

Hi, this is my first post, so please bear with me.

I SENT THE FIRST LETTER TO TSB ON THE 11TH NOV, GOT A REPLY, SORRY TO HEAR YOUR DISSATISFIED, THEN ONE SAYING THAT THEY WERE LOOKING INTO MY COMPLAINT, THEN NOTHING.

Today ive sent the 14 day notice letter, so see what happens.

Has anyone got any further than this with tsb, they owe me 5197.00

[BARTY]

Hi Fingerscrossed,

Welcome to the board! Have a look at the following for all the success stories:

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/

 

Also if you start up your own thread, then you can keep track of your progress and receive help and support along the way.

Good luck!

Barty:)

[fingerscrossed4299]

Thanks for that, it looks like tsb want to take things to the end, in the two letters i havent sent a statement of charges, just a total.

Any advice please, plus how do i start a new thread

[fingerscrossed4299]

hi,

just a quick one, should i still be sending the lba to the local branch

[BARTY]

Hi

You can start a new thread, click on below link, then scroll down till you're almost at the bottom and it says NEW THREAD in a blue boxy type think, click on there and away you!

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

 

Barty

[Alan Rose]

Hi all

 

Just Recieved a letter from LLoyds Tsb as follows

 

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

Like any business, we do make a charge for some of our extra services. When customers don't have enough in there accounts to cover a payment, this always means extra work and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

Of course its only fair too, that we're completely open about any charged-for services before you take them up. Thats why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website

 

Just as importantly, we do everything we can to help our customers avoid theese charges altogether. I'm sure you'll know how easy it is to keep a running check on how much is in your account. Your free to get an up-todate balance at any of our cash machines, over the phone, on line and by weekly text to your mobile. If you know a payment is going to take you over the limit we have agreed, you'tr welcome to see if we can raise it- and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.

 

You'v mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don't agree with OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you haven't broken your agreement. They are our prices for the service we provide in theese situations.

 

I do hope you can see that we make our charging system as fair as possible and why I can't agree to cancel your charges.

Please let me know if there is anything else i can do. If we cannot come to an agreed soloution after this i will help you refer your complaint to the Financial Ombudsman Service for independant advice.

 

If you are happy with the way i have dealt with your complaint there is no need to reply to my letter. If i have not heard back from you by the 11/01/07, I will close my file, though i will be happy to reopen it should you come back at any point afterwards

 

Yours Sincerely

 

Debbie Gilbert

Team Manager

Customer Service Recovery Centre Andover

 

 

 

 

Any advice on this or just ignore it as i have sent LBA Yesterday ???

 

 

 

Regards

 

 

 

Alan

[killsville]

Looks pretty standard Alan, which basically means it's a load of cobblers.

 

They're not giving you your money back, well, not yet anyway!

 

If I were you, I'd just send Debbie Gilbert a courtesy copy of your LBA. At least that way she won't close her file. Be sure to metion the backing you have from CAG and see if it provokes any comments!

[Alan Rose]

Thanks for the info Killsville

 

I will send a copy of Lba to Debbie and will mention backing from C.A.G.

as you suggested

 

Regards

 

Alan:-)

[tallgirl]

hi i have my date forcounty court 22 dec but i need to find out what questions i am going to ask them also i am very nervous as my daughter started the ball rolling for me and now i am left on my own i am not very confident on the computer so please excuse any mistakes

[killsville]

Thanks for the info Killsville

 

I will send a copy of Lba to Debbie and will mention backing from C.A.G.

as you suggested

 

Regards

 

Alan:-)

 

No problem Alan. That's the way I'm going to tackle it.

 

Incedentally, I think I put in my own thread about making a complaint to Collection. Well, today I've had a reply from them and it is almost word for word, the smae as the letter you received. I'm now going to draft a letter that they will be forced to reply fully to.

 

By the time I'm finished, TSB will regret having taken me on as a customer!