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Just starting the process!


Mexi07
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Hi all,

 

Just want to introduce myself! I'm Leah and will be claiming charges back from Lloyds TSB on behlf of my OH. I haven't sent the first letter off (asking for details of charges over the past 6 years) - and I just wanted to ask a couple of questions before I proceed (I've read the FAQs, and I'm pretty sure these aren't in there?):

 

  • Does my OH need to open an account in another bank before requesting the details on charges over the past 6 years?
  • I found out about claiming bank charges back through a friend who sent me to moneysavingexpert.com. I downloaded and printed out the DPA letter, but then I found this site and the letters look very different. Does it matter which letter I use? I know Lloyds are arguing when they get letters through that they are "vague" - will the one from moneysavingexpert.com be considered too vague by lloyds?

Thanks in advance!

Leah

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Lloyds generally don't close a/c's, but a parachute a/c is a good idea just in case.

See here:

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

 

DPA SAR letter is probably better from here, although a Dpa request is a Dpa request is a Dpa request. The vagueness you mention is in the Particulars of claim when you file at court.

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Thanks Michael.

 

Another quick question - I only just found out today that you can claim back for credit card charges as well. If my DH also had a Lloyds TSB credit card, do we need to start a seperate process, or can we include it in the S.A.R. letter along with the current account?

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  • 1 month later...

Ok - so I asked for the charges on my husband's credit card and his current account with Lloyds. Today is the deadline for them to have sent the information to us. So far we've only received the credit card statements and we haven't received any information on his current account at all. So I have a couple of questions:

  • We only sent £10, as I was under the impression that it is the person's recored, not the amount of accounts, that they charge you for. Is this correct? They haven't cashed the cheque yet either, which is weird, no?
  • Because they have only given us half of the information we requested, what should I do next? Should I phone them to ask about the rest of the information, or should I just go ahead and make a complaint? If I make a complaint, then what? :confused:

Help!

 

Thanks,

Leah

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