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    • Ok. Thanks.  I will put my head to this now.
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    • Thank you for the response; I'm very grateful for the help and i'm open to all feedback. I'm afraid I don't understand what is meant by properly declared and valued? On the Evri app, when completing the process of sending a parcel, I did declare that I was sending a 'watch' and gave the full value of the watch (£429.99). I'm not an online seller if that helps. The parcel contained my own personal watch; a Garmin which cost £474.99 (inclusive of 'protect plus insurance' from John Lewis of £45). The £45 Protect Plus insurance from John Lewis covers the Garmin watch, and as they have lost it, it is no longer valid. So i'm adding that to the total claim.  It was a birthday gift bought for me this Jan/Feb by my partner.    Re: understanding of Parcel delivery insurance; "Part 1 Chapter 4 of the Consumer Rights Act 2015 means I have a legal right to expect that any service I’ve paid for should be carried out with reasonable care and skill". So I understood from this that I have rights under the Consumer Rights Act 2015 that protect me, regardless of not choosing to purchase their insurance protection.        
    • HI all, I work for a company who offers a review service for large companies, whereby customers can review products and/or services and the reviews appear on the companies own site My job, along with roughly 10 others, is to moderate those reviews. We're all on a zero hours contract, we do work as and when it's available. The way the system works is for every 120 reviews we moderate, we get paid the equivalent of the basic minimum wage, so £11.44 per 120 reviews. If this were a steady supply of reviews, it could be a decent income, but it's not, so you end up spending a lot of time doing nothing and not being paid for it, such is life For the last 3 months or so they've had an issue whereby a lot of reviews were duplicated up to 15 times and we were told to moderate those as we would normal reviews, You can imagine how many reviews we've been having to moderate, my moderated review count was probably around 4x the number I normally do, almost throughout the entirety of June this was going on for. being quite excited about the prospect of a boost in income, to me and other mods surprise and shock, we're not being paid for all those extra hours and work done, for the past 3 months when the issue started.. We're only being paid for the non duplicate reviews, plus 5% on top. In my case, instead of receiving around £1500ish for the month of June, I'm only receiving around £500 I mean, I get it, marking each of these duplicates was very quick/easy, as it was a repeat decision from the previous 14, but to let us do all that work and not pay us for it?
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Maxine76 v Lloyds Tsb

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hello everyone i'm new so i thought i would say hello to you all ive check my statements for my two bank accounts from the last 4 years and they make intresting reading. ive been charged more bank charges etc then i have money in the bank. ive wrote my first letter today as i think my bank (lloyds tsb) think they can charge me every other month and silly me has been paying it too. which makes me over over over drawn lol and then it takes a further few weeks to get back in credit. it just keeps snowballing but its got out of control now. action had to be taken when i received a letter saying i was to be charged 30.00 for a standing order returned the standing order is only for £2 YES!!! £2 and i couldnt pay it because in still overdrawn from last months charges these banks are outragous and every person should make a stand and get their money back. any advice or tips would be gratefully welcome

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Hi Maxine, welcome!


The best thing you can do to get yourself started is read the FAQs at the following link. There you’ll find easy to understand tutorials (and I mean easy to understand – I understood them!!) on everything from what you can claim, and step by step instructions on how to begin the process.


It even includes links to a “template library” with sample letters that you can adapt when writing the bank. An hour or two studying these tutorials and you’ll be feeling a lot more confident.




Then don’t be shy in asking questions – I haven’t, and the response has been fantastic.


I was going to say best of luck – but as you’ll come to realise, you’ve had all the luck you need in finding this site – the rest is just following the established procedures for recovering YOUR money.


All the best.


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  • 1 month later...

hi all i have received statements from ltsb. now if someone in simple terms could advise me what next. ive calucated the unpaid d/d etc but can i also claim all the overdraft excess fee and interest?


thanks kindly

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Hi and welcome to the site maxine,



You've defianately taken the first step into claiming back what's rightfully yours.


Firstly, yes you can claim all the overdraft excess fees, the only fees you can't reclaim will be any subcription fees which you may have for privilages on your account.


Once you have totalled up what you want to claim enter the details into one of the spreadsheets (link below), you should then send a copy of this schedule along with the preliminary letter which can be found in the letter templates section (again link below).


Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.


Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.


Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.


All the best in your claim!! :wink:



Useful links to help with your claim



http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/


Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/


Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html


Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html


Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html



Don't be like the banks - give a little back



:D NAT WEST - WON - £4282.36:D


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Overdraft excess fee - yes.


There are 2 instances of interest you can claim:


1.When you go overdrawn the bank will charge you interest, perfectly lawfully.


However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.


Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this


It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother


This is the interest referred to in the preliminary and LBA letters.


2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

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hi all ive totalled up all the charges,excess fees and o/draft interest and on both accounts it totals to £5,935.55

my question is because its over £5,000 should i claim indivdually. both accounts are with ltsb

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hello all

thought id join the ltsb forum

ive received statements and checked them and ltsb owe me £1,618.41 on one account and£4,317.14 on another. so its wise for me to claim indivdually i think?

anyway now i have the amounts could anyone tell me the next step. keeping it simple for me

thanks x:-)

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Hi Maxine

Follow the link at the bottom of this post called Read this first.

It will show you all the relevant steps to completing your claim sucessfully.


Take a few days to read all necessary info and examples in other lloyds tsb threads.


my own claim took 6 months! start to finish LLoyds are one of the worst to drag it out.


good luck


If you are LOST in CAG

Click the Consumeractiongroup at the top left hand corner of this blue section on your screen.

This will show you a detailed Index of the forum.

Tracking your Claim Thread

Once you have located your bank and have made your thread, select thread tools at the top right of the thread, choose subscribe to thread, then select Yes.

To locate your Claim Threads

Just up from thread tools and to the left click Quick Links, this will offer subscribed threads. In here you will see your claims.

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  • 2 weeks later...

All the contact details are at the top of this Lloyds forum

I have merged your threads and moved the majority from the welcome forum.Please can you keep to the one thread when updating or asking a question .It is in your own interest if everyone can see at a glance what you have done so far before answering any questions you have :)


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


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  • 2 weeks later...

If you have either received a reply from your prelimary letter or the 14 day deadline has gone, you can send the letter before action.


After that file the claim. If it were me, I would be reasonable and allow a few extra days for a reply from the lba what with the Christmas period.


Good Luck (not that you need it)...

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here



WON 121o121 'vs' LloydsTSB


WON 121o121 'vs' Halifax C C


WON 121o121 'vs' Cahoot CC


WON 121o121 'vs' LloydsTSB (again)




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Hi maxine please spend some more time reading up on the self help matieral and especially the FAQs and step-by-step guide contained there in, in your preliminary letter you give them 14 days to reply so after 14 days you go on to the LBA, also start a thread in the Lloyds forum here: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ to help you and others track your progress and this makes it easier for people to help you. Thanks :)

Ex CAG helper ^_^

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  • 3 weeks later...


Yes give them the 5 days first.

If you have a read in the FAQ, it will tell you there about how you start the Court Action, in section 6




I WON!!!! :D :D :D




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