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

[Alan Rose]

Good on You Killsville

 

When is this Bank going to realise that we are not playing games, but only claiming back what is rightfully ours, all the best in your claim

and let em have it

 

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!

 

[killsville]

Alan,

 

The bank are that stupid that they will never realise - not even after they've paid us what we're owed.

 

Less than a week after sending my SAR, they've sent my statements - the first decent thing they've ever done.

 

I even got a copy of my notes and have found errors in them, so thats another complaint letter going in! They are going to just love me!

 

I'm sure I'll cope with the pressure!

 

Remember what Winston Churchill said, "We'll fight them on the beaches". Now we're going to fight them in the banking halls!

 

Keep at it Alan!

 

Andy

[freebird]

keep at it guys you're doing ok, have a look at my thread in Lloyds and you'll see my battle and time line.

Freebird x

[Alan Rose]

Hi Freebird

 

Thanks for your support and by looking at your thread you are a inspiration to us all

 

Regards

 

Alan:)

[Alan Rose]

Hi All

 

Lloyds have 2 more days to answer if they are going to answer my LBA. however i think that i will have to wait a little lomger to start court action with them as they have just hit me for another £96 and funds are a bit short with christmas looming, i am sure you understand, however i have been reading through some other threads on this site and it has been suggested that if you are in recipt of Family Tax Credits you may be entitled to a reduction in court Fees, my question is if anyone can answer is we are in recipt of Child Tax Credit is this the same as family tax credit or not

 

Any help would be most welcome

 

Regards

 

 

Alan:)

[BARTY]

Hi

I'm not sure about Child Tax Credit, if you hava a read of this it should tell you:

Court Fees - do you have to pay them?

 

Barty:)

[stephanie.reed]

Hi Alan!

Yep, got to same stage on 6/12,but due to another £145 in charges am having to wait until next pay day to complete court claim. But I will. Just to let you know, though, that my local small claims court waiting time is approx 3 months before it comes to court. So don't expect instant results!!

Maybe we could hit them with court claims on the same day???

Steph

[Alan Rose]

Thanks Barty i will go and have a look.

 

Steph yes i will have to wait untill funds become available to, i will let you know when, personally i can not wait..

 

Regards

 

Alan:)

[Alan Rose]

Hi All Again

 

As you are aware i have just been hit by Lloyds for another £96.00 due to be taken out Today, could anyone tell me how strindgent are the courts to the six year entitlement, as my six years claim runs from 13/10/2000 to 14/08/2006, would i be able to add on this latest charge or would i have to start another claim at a later date ??. as i would not like them to get away with a penny of my money.

 

Regards

 

Alan

[BARTY]

Hi Alan

You can add on any charge up to the point of Moneyclaim, so you can add on the £96.

Barty

[Alan Rose]

Hi Barty

 

Thanks for the info, i will add this on before court action

 

Thanks Again

 

ALAN

[stephanie.reed]

Hi again!

Are you aware of the Moneywise programme on BBC2 tonight at 10 about people reclaiming their bank charges. May be worth a look?...

Steph

[Alan Rose]

Hi Again Steph

No i was not aware, but will be watching now

 

Thanks

 

Alan:)

[killsville]

Will make sure I watch it as well.

 

Might even record it and drop a copy off at my local branch! It will give them something to watch in their dinner hour!

[killsville]

Maybe we could hit them with court claims on the same day???

 

Let me know what day and I'll probably join you!

 

Do you know what, I'm actually starting to enjoy myself doing this claim thing!

[killsville]

....but due to another £145 in charges am having to wait until next pay day to complete court claim.

 

Just think of it as a savings scheme! It's another £145 they are going to have to give you back. (With a little bit of interest for the inconvenience!)

[stephanie.reed]

Haha! Mass court claim! Let's bankrupt the banks!!

Re. the moneywise programme on BBC2 tonight- husband has seen a trailer. He tells me that they actually calculate the bank's true charges for a returned cheque. Would be definitely worth recording and/or taking notes.

Steph:D

[stephanie.reed]

Sorry to bore you but!!

This is The Times write up about tonight's Money Programme that I've been going on about. Happy viewing, and I promise I won't go on anymore!

 

BANK ROBBERY!

BBC Two, 10pm A tremendous Money Programme shows the extent to which British high street banks appear to be breaking the law. The OFT says the cost of penalty charges (for bounced checks and unauthorised overdrafts) should not exceed what it costs the banks to deal with the default. If they charge more, the charge is illegal, which allows customers to reclaim all the penalties they have incurred over the past six years. The banks say, “Hmm, yes, well, it’s difficult to compute the exact cost of dealing with a default.” So The Money Programme, ever willing to help, commissioned banking experts to work it out for them. The high street banks won’t be happy with their findings

 

 

Steph;)

[killsville]

Have just looked at the BBC website for the TV listings.

 

The programme is called "Bank Robbery!"

 

How true!

 

45 minutes to go - I can't wait.

[killsville]

Great programme!

 

So it costs the banks somewhere between £2.50 and £4.50 - a bit different to their idea of what it costs.

 

Did anybody notice how petrified the lady from the British Banking Association looked? She didn't do a very good job of convincing us that they are actually 'Service Charges' and not Penalty charges.

[whoareya]

Check this out then

 

BBC NEWS | Business | Are penalty charges bank robbery?

 

 

And by the way I'd like to pick up on a point you said 'lets bankrupt the banks'

Even if everyone who ever visited this site got all their money back we'd still be small fish, for years they have screwing us over, bankrupt nope but I hope it hurts when I get my slice back....

[Alan Rose]

Hi Everyone

 

While i wait for funds for court action, i am in the process of helping out a mate of mine to start his claim, and would like some advice please

He has 2 accounts with the same bank and has asked if he needs to send £10 for each account as payment for statements or will £10 cover both, and i said i would ask you clever people here for the answer

I thought the program on BBC2 last night was excellant and the title was really good, it can only make our cases more justified

 

Regards

 

Alan:)

[whoareya]

The cost is for £10 for both because you are asking for a request for data held on file about you from that company irrespetive of how many accounts you have. In most instances people are being specific about the data ie. Current Account

 

That said when I asked for my statements I asked the bank I wasn't with to send me a bill and the bank I am with to debit my accont, both replied that there wouldn't be a charge this time. Saved myself £20

 

I missed the program, going to check out the torrents to see if its downloadable, what was the title

[Alan Rose]

Thanks Whoareya for the info

 

Regards

 

Alan:)

[stephanie.reed]

Hi Alan

Right, interesting one this... This a.m I have received a letter from Lloyds, basically offering me £750. The succinct version goes:

 

"Generally we don't agree to adjust any of these charges, but I can tell you that on this occasion we are prepared to reduce the charges by repaying you £750.... This sum will be credited to your account in the next few days..."

This letter arrived 16 days after the LBA set deadline. Now, I don't know if anyone can advise me? I obviously do not want to leave the claim there as the total amount owed to me (inc interest) is £4204. I am assuming as this is a "goodwill gesture" and I have neither accepted or decline the offer that I can still go ahead and process my claim (now minus £750)?

If yes, how ironic... they have now paid money to me that I will use to pay for my claim!!

Hope someone can help...!

Have a great Christmas all!

Steph:)