2tecz vs LTSB

[twotecs]

Hello everybody @ the consumer action group, this is my first post regarding action against my bank Lloyds TSB plc. I am happy to say that I have already sent the first letter on 06/11/06 demanding the charges which have been made to my account, and I have already recieved my first "Model-Answer" from Mrs Chris Brown from the B'Ham office at 10 Swallow Street.

 

I have also received full comprehensive information with regards to the charges which have been applied to my bank account. I have enclosed some photo's of the charges, that I recieved in the post this morning. Unfortunately, I ain't got a scanner so I used my digital cam. lol

 

To date: I have been charged: £ 734.88

this includes O/D excess fee's, O/D Interest and one Unpaid D/D

 

I have also been charged; Account Charges, however I believe I may not be able to claim this because they are legit. (This sums up to £200)

 

Now, I think it is time to take legal action and when I iniate my claim, I would like to know how much interest I can claim on the above amount. Unfortunately, I have not got Excel or any other spreadsheet tools on my Laptop but I was wondering if someone would kindly, advise me on how much to claim. The information I have recieved through the Post from Lloyds TSB is stated below.

 

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(Site only allow's 6 Pics)

 

I hope you pro's at Cons Action Group can help us out, and I promise you guys I will keep you updated on the process.

 

Thanking You 2Tecz!

[natsmanc]

Hi Twotecs and welcome

 

You can claim 8% interest apr once your case reaches the Moneyclaim Online stages.

 

 

Nat

[BARTY]

Hi

Welcome!

If you haven't got excel, you can download the Openoffice spreadsheet for free, I did this when I worked out my charges:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/2004-free-alternative-excel.html

 

You cannot claim Account charges, as you have said these are legit.

O/d interest is another thing, you can claim part of it, but not all of it. There is a spreadsheet available to calculate what you can claim, but it is quite difficult, I believe, so I personally did not bother claiming it.

Have you sent the Preliminary letter? If so you now need to send the Letter Before Action before starting the Court action.

Good luck, and please ask of you have any questions!

Barty:)

[twotecs]

hello everybody! its been time but sadly, i ain't had internet access! Just to let y'all know that I have received a letter a few days ago advising that they are prepared to Refund only £450.00 and that this will be credited to me account within some days (nothing as of yet) - can anybody tell me what I should do? Shall I still ask them to refund the remaining £284.88 - Im basically, lost I don't know what how to go on about this... Please advise... Is it possible after that £450.00 is refunded to ask them to reimburse the remaining £284.88 as what they call "good-will gesture"???? Your help is much appreciated.

Ta. 2TECZ

[rustyboxx]

You could try this and then carry on with your claim