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Coll2900 v Lloyds Tsb


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Hi everyone


I’m really glad this sites exists, everyone seems so friendly and willing to offer help and give advice.

I’ve just joined the site, and after reading up a bit I'll start the process to reclaim my charges from Lloyds TSB, capital One and Citi cards. I’ve already calculated the amount of charges from Cap one and Citi cards. I just now need to send the S.A.R - (Subject Access Request) letter to Lloyds. I can’t believe how much the charges have amounted to and for the two cards the charges have made me go over the limit even more.


I’ll post more once I start the process.


Thanks again :)

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Ok please start a thread for your respective bank groups.

I will start the first for you.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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  • 1 month later...

Hi all

I finally found some time to start my claim against Lloyds. I've entered everything in the spreadsheet and I’ll be claiming around £2500 - including compounded contractual interest. My prelim will be posted tomorrow.

I'll keep you all posted.


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  • 2 weeks later...

Hi everyone

I’ve been so busy the past couple of weeks that I haven’t had time to update you all on my progress with capital one.

I sent my prelim on the 2nd March; I haven’t had a reply yet.

I'll go on to the LBA in few days time.

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  • 3 weeks later...

I received one of the usual fobbing off/sorry you're unhappy letters after i'd sent my prelim. I ignore this and sent my LBA a few days ago.

Yesterday I received the following letter from Lloydstsb

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges. Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.



Of course it's only fair too, that we're completely open about any charged-for services before you might need them. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.



Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.


If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.



The Office of Fair Trading has published new guidelines on credit card default charges. We’re 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. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.



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



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 Financial Ombudsman Service so they can consider your complaint independently.



If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by 17 May 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards.



Yours Sincerely



David Pye


Customer Service Recovery Centre - Andover


Guess'll ignore this, wait for the 14 days to be up then file my court claim. Out of intrest has anyone else recived this letter :cool:

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