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Alasdair vs Lloyds TSB ** WON **


Alasdair
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Sent my prelim letter to Lloyds a couple of weeks back. Got an initial response to that which I am now replying in addition to send the LBA.

 

Got a laugh out of their argument

 

Quote "

 

You've mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don't agree with the OFT's thinking on this and were 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 haven't broke your agreement. They are out prices for the service we provide in these situations.

"

 

Letter was from their recovery customer service. Not much a threat to a credit balance.

 

Alasdair

Alasdair

 

LloydsTSB - Settled unconditionally

 

 

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It doesn't matter what they call them, the charges are still unlawful and therefore reclaimable.

 

Good luck with your claim.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Thanks Rooster-UK

 

I look forward to the day I can donate from the money I am reclaiming.

 

Alasdair

Alasdair

 

LloydsTSB - Settled unconditionally

 

 

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  • 5 weeks later...

:) :) Well thought there would have been a bit more delay before being able to post this, BUT last friday got the letter from LloydsTSB that they were settling based on the cost of defending an action, but without accepting the legal liability to do so. However no restrictions or confidence clauses were attempted either. Money was in the bank by the middle of the week. As most of my OD is interest free making the interest I pay nominal I think it may have helped offering to accept only full payment of the charges without interest if settled before the court papers were lodged.

 

Of to Donate my 5% now.

 

Thanks for all the info here and will adjust my sig tag later.

Alasdair

 

LloydsTSB - Settled unconditionally

 

 

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Brilliant - how much was your claim for?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks All

 

After I got the reply to the prelim which included the usual if we don't hear within two weeks etc they would close the complaint. I sent a reply to the person at the recovery department who wrote me saying no thanks to the FO as I didn't have confidence in them and had already chosen the route of action I would take. Told them not to bother closing the complaint as I would be persuing it to completion and informed them at the same time I had sent the LBA to the head office in Glasgow. Put to them that as the interest on the account is nominal if they settled before the two weeks was up I would waive any interest on the charges.

 

Was surprised to get the letter of settlement actually and had only been submitting the court papers on Cap1 the day before. I was also surprised that although they don't admit liability they never tried to impose any terms of their own on the settlement.

 

Next step is I will write accepting the settlement in writing but also stating I still agree with the legal argument I put forward & letting them know if they ever add charges at this level again I will persue the matter as a new case. Wanted to see the cash in the bank first before doing that & really surprised when by Thursday it had appeared. :-)

 

Keep going folks the only time they win is when you give in.

 

Alasdair

Alasdair

 

LloydsTSB - Settled unconditionally

 

 

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congratulations

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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**Well Done**

I hope mine is done that quickly......

Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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