Shaw v's LLoyds TSB

[finman]

Found this site through Martins Money Saving Expert. I have read all the pro's and cons of reclaiming charges. The biggest draw back seems to be removal of Facilities and cards, so to make sure I have opened another account at another bank (just in case, but I will probably switch anyway). Now I can e-mail my initial letter for details of charges with a contingency plan. Fingers crossed.

[Bookworm]

 

Keep us posted.

[Lorraine]

I also belong to Martins Money Tips. Bloody good site.

Welcome.

Have fun reading through all and sundry, especially everyone's elses threads, they are helpful in everyway.

 

Good luck and see you at the end.

Lorraine

[finman]

Thanks for the welcoming's; I have now e-mailed my initial letter to the bank asking for a breakdown of charges. I will keep you all informed.

[finman]

Just had a reply, the standard one from Keith Boden saying he will pass it on to the copy statements manager. He also says he has attached a PDF to tell me how to complain about my bank, guess what!!! there was no attachment. well they have till the 30th May to send them to me.

 

A friend of mine who works for the bank has told me that they normally send statements out ASAP due to the concequences of failing to supply, they are more scared of the Data protection stuff than the courts.

 

This is the letter sent to me today:

 

Thank you for the e-mail.

 

I acknowledge your request for copies of statements/charge transactions on your account since January 2000.

 

Your e-mail has been passed on to the Manager of the Copy Statement Unit and I have asked that he notes your requests and arranges for a response to be sent to you at the earliest opportunity.

 

In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've attached one to my e-mail. This tells you all you need to know about resolving your complaint with us.

 

Regards

 

Keith Boden

Lloyds TSB - Service Recovery

Birmingham

[finman]

Right, I found all my bank statements apart from the last year, so I phoned Phone bank and got a monthly breakdown of charges for the missing year.

 

I have calculated £3.5k in overdraft excess fees and Returned DD's. one month they took £480 in charges from me for Returned DD's. This figure does not include interest for usage of the overdraft, just the excess charges.

 

If this does go to claim then the intrest will bump it up to £4.3k, so I hope it goes to claim!!!

 

The other thing I notice is that in a 9 month period LTSB increased their OD usage charge from £20 to £25 to £30 which I find pathetic considering that they are also getting the Intrest on it.

 

I have just used the template in the Library and I have made the amendments to the prelim letter and it will be in the post recorded delivery in the morning.

 

This site has made it so much easier to understand the fraud that has been going on and how to deal with it, thank you everyone (I know I am at the start of it all but it has been a big insight)

[finman]

Just had the standard letter from Davis just, stating no go away and if you proceed then you may lose facilities. Thats fine as I have my parachute account. So next step is to do LBA after the 14 days have expired.

[finman]

Got a letter, on Friday saying the bank is charging me £35 for going overdrawn £1.01p. So I will just add it to my claim. Going to send my LBA tomorrow so it is there on tuesday for mr Just. Also got a letter saying my DPA letter needs a £10 fee with it, even though I sent it with the hard copy. I also sent the request in e-mail, they must be reading the e-mailand not the hard copy, my £10 fee was paid by postal order and it was recorded and signed for. In the letter they state that the 40 days does not start untill payment is received, I might just let it ride for the 40 days and report them. God I am turning nasty:rolleyes:

[finman]

Letter before action letter sent recorded:) I shall now sit back and wait for 14 days or for a get lost reply (which is the most likely).

[stahir]

Interesting...............I'm just 2 days infront of you.....sent in my LBA letter on the 7th. Very interested to see what/how they reply!

[finman]

good luck to the both of us.

[finman]

Got a reply of D Just in reference to my LBA. It basically states that the bank will not budge on their decision not to repay the charges and if i have a problem with that then go to the financial ombudsman. The letter did state it was a final response. Due to the line stating this is the banks final response on the matter I have now filed my Moneyclaim under reference 6QZ30781. 14 days to acknowledge.

[stahir]

Yep .....I got the same reply!! Moneyclaim ref no. 6Q230786.

 

I'm PMS-ing and raring to go!!! (DON'T ever mess with a women when she got PMS!!)

 

Good Luck

[finman]

God help them if they get you to court on the wrong date;)

[finman]

Right my moneyclaim request was accepted by the court today, so the 14 days to acknowledge start from now, is that right? so the 29th is my next deadline date:rolleyes:

[Lorraine]

Hi,

 

think its 14 days for acknowledgement from Lloyds - if they defend which they are going to do with mine - they have 28 days from date of acknowledgement. - 28th Msy is my deadline - waiting and watching for post to arrive with questionnaire - not sure what its all about but patience is a virtue. God help the courts with all the PMS going around this site.

 

Lorraine

[finman]

so what if they dont acknowledge?

[Lorraine]

They wont - !!!! (sorry, laughing at that comment). You made my day saying that .I wish they wouldnt. Cannot remember but believe you have won- default !!!

I havent got all the details up - but it might be helpful to read up on other threads - sorry cannot be of any other help. I am working - well trying and not getting very far - with work that is!!!

 

Lorraine

[stahir]

God help them if they get you to court on the wrong date;)

 

Heeheehee.....too right!! And believe I get it bad!!!

 

Good luck with your claims guys............i'm still waiting for my acknowledgement ;-)

[finman]

Just spoke to the Courts Lloyds have had the serve made and the days are ticking now.

 

I was also informed of the following, they have 14 days from date of serve, if they acknowledge then they get 28 days but not from the date they acknowledged but from the date of the serve.

 

So that means my next date for action are 06/06/06 (666 haha) 14days for no acknowledgment (as if), or the 19/06/06 date for defence to be submitted by Lloyds

 

Fingers crossed;)

 

Edit: just saw Lorraine's post above and she had already stated the above. Thanks

[finman]

Quick update, the bank have acknowledged my claim and the next deadline is the 19/06/06 for them to file a defence, just have to sit back and wait:rolleyes:

[finman]

Ok, saturday 27th got an envelope with 2 letters in it from Lloyds' solicitors. One letter (the open letter) which states that they intend to defend the case in court and they will be filing a defence. This was what I expected.

 

The second letter was an offer to settle for the full amount to be paid direct to my account within 14 days, the only thing was it had a couple of clauses, which are the normal ones thay state to all on the first offer, such as bank manager account review, confidentiality agreement, no future claims, etc.

 

I will be speaking to the banks solicitors tomorrow to let them know my decision!!

 

I shall also post the letters on here when I get a chance.

 

At least it is moving in the right direction!!!

[finman]

Spoke to their solicitor and she said that Lloyds will be dealing with all future claims in this way from now on, as it is easier for them to settle quickly and move onto the next case. She also said that they are becoming inundated with claims!!! must be a heavy work load she has.

[Janet-M]

make sure the money is sitting in your account before you stop your claim.People have been caught out before by false promises.

[HONESTKNOB]

Did their Solicitor actually say they would settle all claims without going to court??? Even though we know they would ;-)

They might as well put posters in their branches next telling people how to sue them!!