Caz1969 v Lloyds bank

[caz1969]

Just about to make a start on reclaiming back bank charges. the only problem with the account im going to try and reclaim is i am in the process of paying back an overdraft at so many £'s a month, so the account is closed really will this make a difference?

 

 

hope everyone is well

[jonni2bad]

Hi and welcome - no difference at all - in fact you have a slight advantage if anything since they can not even threaten you with account closure!

 

Spend as much time as you can reading through the materials in the FAQ section, then start a new thread in the bank section and update us on your claim.

 

Best of luck

[caz1969]

thanks

 

will read up on it first

[caz1969]

also i recently went trust deed, take it i have no chance in claiming back on the bank account i have included in the trust deed?, i had a loan with them, but went to the CAB and they helped me out

[caz1969]

can anyone help on my trust deed question ?

[cheddar]

Not sure on the trust deed thing but if you start a thread in your banks forum and post there I am sure people will be able to advise you. Thanks

[MARTIN3030]

Which bank is it ?

Let us know and these posts can be moved there too !

[caz1969]

Not sure on the trust deed thing but if you start a thread in your banks forum and post there I am sure people will be able to advise you. Thanks

 

 

thanks I will

 

Which bank is it ?

Let us know and these posts can be moved there too

 

 

Clydesdale bank

[MARTIN3030]

Hi Caz your posts moved into your bank group.

You may like to look at Georges thread.

click on the link;

 

http://www.consumeractiongroup.co.uk/forum/scotland/19737-george-mcm-clydesdale-bank.html?highlight=clydesdale

 

He is Clydesdale claimer and theres lots of info in his thread

[caz1969]

Hi

 

I sent letter to TSB and not doing the Clydesdale bank now as i have a trust deed and my clydesdale account is part of my trust deed and i was told i shouldnt do it then

[caz1969]

sent letter off for statements but heard nothing

 

whats the next stage ?

[caz1969]

anyone ?

[Shumba]

How long ago did you request the statements caz?

[caz1969]

How long ago did you request the statements caz?

 

im sure it was the week of the 20th March

[sajabu2003]

Have you sent them a letter giving them a further 7 days? If not then send them 1 and say if they don't comply then you will start court action as they have failed to comply with the 40 day limitations.

[caz1969]

Have you sent them a letter giving them a further 7 days? If not then send them 1 and say if they don't comply then you will start court action as they have failed to comply with the 40 day limitations.

 

 

will do.my mate put hers in week before to same bank and she has not heard a thing as well, will get her one typed up as well.

 

thanks

[caro]

Hi

 

I sent letter to TSB and not doing the Clydesdale bank now as i have a trust deed and my clydesdale account is part of my trust deed and i was told i shouldnt do it then

 

Caz, can you confirm if you are talking about Clydesdale or another bank on this thread please

 

Can you confirm that a trust deed is to do with your debts being written off in Scotland? Also can I ask if the information regarding not claiming due to the trust deed came from someone on this site. It isn't something I know about, but I think it may be worth you sending a SAR for all your info from Clydesdale. If your charges were higher than the amount written off I think you could have a claim, but this needs much more investigation. I think it may depend on what was agreed with the trust deed.

[caz1969]

Caz, can you confirm if you are talking about Clydesdale or another bank on this thread please

 

Can you confirm that a trust deed is to do with your debts being written off in Scotland? Also can I ask if the information regarding not claiming due to the trust deed came from someone on this site. It isn't something I know about, but I think it may be worth you sending a S.A.R - (Subject Access Request) for all your info from Clydesdale. If your charges were higher than the amount written off I think you could have a claim, but this needs much more investigation. I think it may depend on what was agreed with the trust deed.

 

im talking about tsb i sent letter to, i didnt know how to go about getting thread moved, sorry

 

originaly i was sending to clydesdale bank but was told by someone (not on this board ) not to as my trust deed(in scotland) will be effected if i sent letter.

 

if i am paid a lump sum of any sort i have to let the trust deed people know about it.

 

sorry for any confusion

 

Caz

[caz1969]

Well i got letter back from TSB on Saturday morning just before i went away for weekend , just added up charges £500 (clysedale would have been much more)

 

Now for the next step

[caz1969]

Just about to send letter with cost of charges to bank.

 

 

do i also include the charges for ging over overdraft, as iv just read this on bbc website

 

BBC NEWS | Business | Bank's overdraft charges upheld

[caro]

No precedent has been set and there may be an appeal in that case so carry on as before. Lloyds got lucky with one judge, but thousands of other cases have been lost by them. This was newsworthy because it is an event as rare as hens teeth.

 

I'll move your thread to the Lloyds forum as it is really about that claim.

 

I'm afraid I haven't managed to find out more about the trust deed issue, but I haven't forgotten about it.

[caz1969]

ok thanks

 

thanks also for moving it.

 

Im going to call the people i have the trust deed with and see what they say

 

thanks again

[caro]

The thing to remember is that the charges are unlawful, so I can't think of any circumstances where they should not be paid back, contrary to what the judge in Birmingham thinks.

[caz1969]

Got a letter fromTSB today.

 

I have already had statements and also sent away letter claiming for charges.

 

"Thanks you for getting in touch with us. I am sorry you are unhappy aboit your account charges".

 

It goes on to say about the charges they have for overdrawn and not having enough money to pay dd.

at the end of the letter it says

 

" I do hope you can see that we make our charging system as fair as possible - and why i can't agree to cancel charges.

 

If you have asked for a copy statements and paid the fee. We will send them to you within the 40 day limit set by the data protection act.

 

If you have not yet sent the £10 fee you will need to send it to us at the address below. the 40 day limit starts from when we receive your payment.

 

I hope this fully answers the points you raised with us. please let me know if there is anything else i can do to help. If we cannot come to an agreement, I will provide you with details of the FOS so they can consider your complaint independently.

 

If you are happy with the way I have dealt with our complaint there is no need for you to replay to my letter. If i have not heard from you by the 26 july 2007 I will close my file, though of course i will re-open it should you come back at any point afterwards."

 

 

do i send a letter saying i have already sent away 2 letters?

[curlychic]

Standard response ... Send LBA

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

I hope i have been helpful, if so, please click the scales

 

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