Maxine76 v Lloyds Tsb

[maxine76]

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

[pward33]

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.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

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.

[maxine76]

hi,

thanks i'll get reading

[maxine76]

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

[Deller]

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!!

 

 

Useful links to help with your claim

 

FAQ’s

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

[Michael Browne]

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

[maxine76]

thank for all that now another question is this what i can claim back

o/draft interest

o/draft excess fee and un paid d/d,s/o and unpaid cheques is that right?

[maxine76]

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

[Josamolly]

I would claim individually as there is a limit at the small claims court of £5000 i believe..

[maxine76]

thank you

[maxine76]

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:-)

[breadline]

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

BL:)

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.

[Michael Browne]

o/draft excess fee and un paid d/d,s/o and unpaid cheques is that right?

Yes.

Overdraft interest, see previous post.

[maxine76]

sorry to sound thick just want all questions anwered can i claim just my o/draft excess fees and unpaid d/d s/o and cheques? the interest isnt that much really

so was just wonderering

[Michael Browne]

can i claim just my o/draft excess fees and unpaid d/d s/o and cheques?

Yes

the interest isnt that much really

That's why lots of people don't bother, not worth the hassle

[maxine76]

hi all, can anyone direct me in the direction of ltsb address or give it to me the one i have is lloyds tsb bank plc bx1 1lt is that right?

 

Moderated threads merged / moved

[Janet-M]

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

Janet

[maxine76]

hi all ive received the standard lstb sorry blah blah letter after sending my letter asking for charges back. do i now send 3rd letter?

[121o121]

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)...

[maxine76]

yes ive received reply from letter i send asking for charges back (thinks thats the prelimary letter) do i now need to send letter before court action or wait a bit longer

[cheddar]

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

[maxine76]

hi all i sent my third letter off to ltsb and they have 5 days left to reply. if i dont hear anything could anyone point me in the direction of what to do next???

 

thanks max

[BARTY]

Hi

Is this the Letter Before Action? If so, you then you need to start the Court action.

Good luck and Happy New Year!

Barty:)

[maxine76]

hi barty yes its the lba. will i wait until the 5 days are up?

where do i start court action?

[BARTY]

Hi

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

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

Barty:)