Starting my bank charge battle !

[buster27]

Hi all just like to say hello to all in the forum and congratulations to the people who have won there charges back from the banks.

Im just starting out on my journey to try and reclaim £2400 from lloyds tsb, i have read quite alot of stuff on this site and think i have started the ball rolling correctly, but would greatly appreciate it if anybody could point me in the right direction to carry this journey on.

 

Steps i have taken so far :

 

Sent a list of charges from the last 6 years to the bank with a covering legal letter (template) saying that i feel all charges are unlawfull and basically, i want them back within 14 days.

I recieved a letter from the bank this morning saying that they feel all the charges are appropriate and they are going to close my case, but will reopen it if i want to proceed further ?

To be honest i dont really know how to reply to there letter without maybe falling into a loophole of theres where i dont get my money back.

So if there is anybody that is willing to HELP !!!!! PLEASE.

It will be so much appreciated......

 

Thanks

Bruceyboy

[Guest NATTIE]

Welcome to the CAG and it sounds like you have followed a lot of the advice that is normally given and are further along in the process. Your next step is Letter Before Action which tell LloydsTSB that they have 14 days or you are suing them. I would still read more in the Lloyds Successes bit and then begin a thread in the Lloyds part of the forum to update us with your progress.Good Luck

[buster27]

Thanks i really appreciate that, is the LBA a template or should i just write it as a normal letter ?

 

Thanks

[Rooster-UK]

Hi Buster.

 

Your enthusiasm knows no bounds, does it?

That, in itself is great, provided that you know what you're doing and have prepared yourself.

 

So far, you've done everything right. (I presume that you sent the preliminary letter from the templates library, giving them 14 days to respond.)

If the 14 days are up then send the LBA (letter before action) which you will also find in the templates library. Include another copy of your schedule of charges. This gives them a further 14 days and informs them of your intention to sue.

 

14 days later, if no favourable response is received, then it's Moneyclaim or form N.1 time to start the court proceedings.

 

Please use any time you have, while you're waiting, to read and re-read the FAQs and the step by step guide. Start your own thread in the Lloyds forum and use that for any questions etc. help won't be far away.

 

Good luck.

Regards, Rooster.

[Rooster-UK]

Hi NWSM, I see you beat me this time:D

 

 

All the letters you need are templates.

 

Click on this link for LBA template.....

 

Just copy into Word or whatever package you use. Edit it to add your details, etc and the job's done.