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    • Thanks all, I say all! Bazza you do seem to take great blithe pleasure in offending someone you’ve never even met before. I can confirm i’m not an ‘OP’, which I presume is short-form for ‘Old Person’! Well I guess my positive spin on events will have to be consigned to landfill and I am just going to have to go with the general consensus  landslide of opinion and pay it then. Fiddlesticks. Another little piece of soul given to an organisation I find anathema to me - that’s what hurts the most [starts sobbing]. Oh well, could be worse I guess I could a Man City fan defending the indefensible! Thanks again.
    • You will receive a Notice of Judgment with details of the judgment and payment details
    • Hello, welcome to CAG. It would be a good idea for you to read other shoplifting threads here to get an idea of how this works. The police won't get involved now, so no chance of arrest. You need to avoid that branch of John Lewis for a while though. Basically, John Lewis's security people will give your details to either a firm like Retail Loss prevention or DWF solicitors who will then write to you with scary-sounding letters to frighten you into paying them some kind of penalty. They have no legal power and can't take you to court, only John Lewis can. Last time we saw a retailer in court against shoplifters, it went very badly for them and we haven't seen a case like that since - over 10 years ago. But you need to figure out why you did this. If you need support, talk to your GP and aske them. They will have heard it all before and won't judge you. Best, HB  
    • In addition to the information you've been given above, I suggest that you spend some time reading up on the stories on this sub- forum. There is a lot of information about suing as an entitled third-party. Take a couple of days – and by Monday you will be much more confident. More in control and you will have fewer questions to ask but the questions that you do think up will probably be more relevant and more interesting to your case. Do the reading. This is always an essential first step   Additionally please can you give us more details. What was the item, was it correctly declared, was the value correctly declared, what was the value that was declared? Very importantly what date did you send it?
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Marlow vs Lloyds TSB


Rachel27
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Hi There

I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

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Hi There

I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

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Hi There

I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

 

Dont worry some banks do not charge you. You have their conformation letter so you are ok, just wait for the 40 days.:-D

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But their letter to me stated that i should sign the attached letter to give permission to debit £10 from my account - which is what i did but to date it has not been debited

 

ok ring them or write to them and tell them that you have sent the signed letter back, explain that as far as you are concerned the 40 days have started from your iinitial request.

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I rang the bank today, they confirmed they had received my authorisation to debit the £10 from my account. They advised that the letter notifying me of all the charges will be sent to me within the next 10 days and that once it was sent, the £10 would be debited.

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I havent changed banks, in fact they are still charging my account! If by SAR you mean the first letter asking them to provide all charges made from the past 6 years - then yes i have just sent that to them and they should be sending the list of charges to me within the next 10 days.

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Well thats up to you really. If you are thinking of trying to claim back any charges your bank has debited from you, its probably wise to open up a new account elsewhere, just in case your bank decide to close your account when they realise what you are trying to do. That hasnt happened to me yet, but I have read about it happening to a few people.

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  • 2 weeks later...

Today I have received my RFI back from the bank which I believed was supposed to be detailing the last 6 years of charges. The charges have been listed from 03/09/01 - 02/10/06 as a list but from 27/06/00-03/09/01 they have given me the full statements which show the charges. Can I still use those statements as proof of my charges? I am slightly confused because back in 00/01 I appear to have only been charged £5 overdraft usage fee for some of the the months - can I still claim this back?

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Can anyone help me please - I have received the RFI so am I about to send them the 2nd letter asking for the refund of my charges. Do I attach the spreadsheet with this letter? If yes, should I use the simple or advanced version. Also, on my statements it details overdraft interest, should this be added to my request for a refund? Please help, I am anxious not to make a mistake with this.

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  • 1 month later...

Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons:

 

"You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the 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 havent broken your agreement. They are our prices for the service we provide in these situations"

 

:idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB?

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Rachel,

 

You really need to set up a thread in the Lloyds TSB forum, we will be able to advise you whether this is standard practice for them.

 

We can also answer any queries that you have as your claim progresses ;)

 

Best of luck

PLEASE READ THE FAQ's

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Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons:

 

"You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the 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 havent broken your agreement. They are our prices for the service we provide in these situations"

 

:idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB?

 

I had started this thread in the wrong place - hopefully I am now in the correct place for a claim against TSB. The above question has just been answered and I am going to press ahead with the next letter giving them 14 more days before I proceed with a request for a court date. WATCH THIS SPACE

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I have a few queries that I am hoping someone can help me with please.

 

I believe the next letter I should send is the LBA (letter 3 in the library templates folder). Is this correct as it seems pretty similiar to my previous letter?

 

I sent the simple spreadsheet where the charges were listed and the interest was calcuated for me, this was included this with my original letter. I didnt really understand about the interest so I am wondering if I have done the right thing as reading through other threads, a lot seems to be based on whether this has been submitted correctly.

 

Finally, can I add an amount onto the spreadsheet that was recently deducted from my bank account? If I can, do I have to highlight that I have done this in the LBA letter?

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No.. i will have a look

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi Rachael

 

You can amend your charges spreadsheet with the new charges and adjust the interest as a few more days have passed since the first letter. Make sure you adjust to wording on your LBA to include the additional money being claimed. Send your LBA now. I am assuming that you have heard back from them with a rejection to all of your requests.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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