Hello everyone!

[marta78]

Hi everyone,

 

i am a new member and i just wanted to quickly say hello! I am about to embark on my journey with LLOYDS TSB to get my charges paid back. I am so thankful that i found you guys at CAG as i have been wanting to do this for a long time but never had the right tools or support.

 

 

Marta

[Michael Browne]

Welcome.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[hartley]

Hi Marta

 

I have just filled in all doc's chasing Nat West charges. Done the Online claim, had it defended by the Bank then got the dreaded Solicitos letter. Have responded to this 18/11/06 - had to be with them 20/11/06. Today 21/11/06 got an offer 'without prejudice' with a gagging clause if I were to accept.

 

As you go through peoples replies, you will see that you never put 'without prejudice' on your letters or forms. This will disallow the paperwork to be used in court (should it go that far).

 

My offer was for £1100.00 / my claim was £1501 charges plus interest charged £677 plus compounded interest over past 4 years £751. I don't think I'll accept. I'm going to be very brave and challenge them and send in my allocation questionnaire tomorrow with my next fee.

 

Goog luck with your claim and I'm sure there will be somebody halping you all the way.

 

ps I did find it useful looking at help from people specifically fighting Lloyds even though everybody's comments are useful.

 

IS THERE ANYBODY THAT CAN COMMENT ON MY CLAIM. THE SOLICITORS SEEM TO BE JUST WORKING ON THE CHARGES FIGURE, NOT INCLUDING THE INTEREST CHARGES OR THE 8% CHARGES. i AM ENTITLED TO THE INTEREST CHARGES ACTUALLY CHARGED THROUGH MY STATEMENTS, OR DO I ONLY CLAIM THE 4YEAR 8% CHARGE???

 

hartleyhartley