joa v LloydsTsb ** WON **

[Joa]

The money will be very useful; I am a single parent and one of my children is disabled. I work full time and study for a degree. I volunteer in a welfare organisation and break my back to provide. Guess if I have anything to show for it? Go on, guess...

There is a lot of cold fury in my heart about the penalty charges; not only they are unlawful, but they are stuff what someone should fry in hell for. For making my children eat inferior food, wear inferior shoes, be satisfied with one cinema outing every few months and so on and on...all because each month for years I was wallopped with shareholders' delight....profit making charges. Each month I was trying to catch up with 25 quid here, 35 there...like a mad, foaming dog, chasing it's tail. Fatwa on greedy financiers, their fat wallets and immoral hearts.

 

Phew, that's out, we can go back to the systematic, continuos, bloodyminded fight for fair banking.

And yes, my deepest gratitude to all of you who've helped and the donation is on it's way.

[Janet-M]

The money will be very useful; I am a single parent and one of my children is disabled. I work full time and study for a degree. I volunteer in a welfare organisation and break my back to provide. Guess if I have anything to show for it? Go on, guess...

There is a lot of cold fury in my heart about the penalty charges; not only they are unlawful, but they are stuff what someone should fry in hell for. For making my children eat inferior food, wear inferior shoes, be satisfied with one cinema outing every few months and so on and on...all because each month for years I was wallopped with shareholders' delight....profit making charges. Each month I was trying to catch up with 25 quid here, 35 there...like a mad, foaming dog, chasing it's tail. Fatwa on greedy financiers, their fat wallets and immoral hearts.

 

Phew, that's out, we can go back to the systematic, continuos, bloodyminded fight for fair banking.

And yes, my deepest gratitude to all of you who've helped and the donation is on it's way.

And it is for these reasons that everyone of us put so many hours in to help people.They are taking it off the people who can least afford it to pay their shareholders .It makes us all so angry but we all get so much when someone informs us they have had their money back so PLEASE keep telling us :grin:

[Janet-M]

CONGRATULATIONS

 

Can I please ask you to take a minute to fill in our survey

[Rooster-UK]

 

 

Well done, Joa. Very pleased for you.

 

[Joa]

Ma'm, I am so poor I even got no thread on my own,

Joking apart, I know what you mean, so if you want to split it and transfer to Lloyds' section, please do so.

[pj41]

Hi Joa,

 

I think Ma'm was scolding those of us that said well done etc.

 

Don't YOU worry about a thing !!

 

If it's gonna be moved then hey I'm sorry too Ma'm. From a scouser too !!

 

 

Paul

[Janet-M]

:o I wasn't scolding anyone just asked if the CONGRATULATIONS could be put in Joas thread PLEASE

[MARTIN3030]

:o I wasn't scolding anyone just asked if the CONGRATULATIONS could be put in Joas thread PLEASE

 

 

Funny I thought the same.........I always associate scalding to when we knocked our tea over as Kids.......

 

 

[JonCris]

Amazing result and again a credit to all those working hard behind the scenes.

And of course when results like this happen it gives good mapwork to address future scenarios.

Well done to all who were responsible.

 

 

Congrats! Excellent news.

 

Stick it to the grasping money lenders

[reload]

Big congrats Joa

 

Just hoping Lloyds pull their finger out and put my money back into my account some time soon - bit of heel dragging going on

[determined-to-win]

:-D CONGRATS Joa, been following your case through the general section, SO pleased for you, I related heavily to your post about the struggle to provide for our children through the banks greed and I couldnt be happier for you..first thing i did when my payment was made was go out and buy my kids uniforms and GOOD shoes and GOOD trainers for next September so for once they dont have to look like they get everything seconhand..the rest just paid off my bills but god what a relief that was to do, Im sure you'll get the same sense of satisfaction when you do the same.. WELL DONE

[Joa]

Thank you guys. reload; I recognise the heel dragging! In my case the solicitors kept within various deadlines- but just!

Determined-to-win; what can I say....the money was in my account yesterday at 5.30pm. By 5.45pm I took a note pad out and had all the money allocated, hahaha, and 90% of the allocation had something to do with the kids!

[jayne67]

Well done Joa, congratulations. Been watching the other thread (the one about the stay), and I expect you will be so relieved that your case is over.

[Merly]

Congratulations Joa, thats good news, I'm going to be claiming a similar amount to you so thats nice to hear that you've won

[brecken]

Well Done joa,

Make sure however that once you have treated your kids to all they want and need, you put some aside for YOU.

Treat yourself and dont feel guilty about it, just ENJOY it.

Good Luck.

[c_allen]

Congrats

[Valdez is Coming]

Joa....have just read yr thread....you are an inspiration to all of us.

Many, many congratulations on yr triumph!

[Joa]

I am very lucky to have been helped and guided by members and moderators from this site. That's why I made a large donation and wanted to ask everyone to do so too, as soon as they get their refunds. Apparently the donations are not as high as they could be....and I must say that I too could have had different plans for this dosh, but then I thought: I would need to find a solicitor who would know about these matters. That would be tough in itself. He would charge me loads, no chances for legal aid here. He would charge for every single letter, piece of advice, phonecall, spreadsheet, application form and a lunch with his secretary. He would take ages because I am not his only client. He would not answer my queries at midnight, like some of you did here. He even might have dragged it on because time is money. It's a pure guess, but I reckon couple of hundred pounds easy, maybe a grand.

So pay up folks

[freebird]

please allow my ignorance and sheer torror.

ok so I sent off for statement of charges to TSB.

Sent off initial letter requesting payment in full

Standard letter back from TSB saying they're unable to aggree with re payment and enclosed leaflet for complaints.

I've prepared 2nd letter as per your template.

At this stage, I do want to pursue it but I'm so nervous.

Figures arn't my strength, you are all so sound and know exactly what you're talking about, talking re interest etc.

All I've done is add up all the charges and total it.

Do I just photocopy the charges as per the statement, to show in court?

I so desperately need this payment and I'm proving a point that they've left me many a Monday morning, after my income support goes in, with nothing to live on mainly because of their charges being deducted and even bloody Christmas, on my own with my kids, the youngest of whom is disabled, they know I'm a full time Carer and have no other income but even when I begged, they wouldn't let me have a penny, so I'm desperate to see this through some how.

Cheers, Freebird

[freebird]

OMG, it's late and I'm tired ( fighting in mainstream school at present for my little'un )but again forgive me please for not saying well done Joa and WTG....... I've just read back posts and our circumstances are so alike ! Wow, did I missread it or are you a Scouser too ?

 

kind regards, Freebird x

[reload]

Hi Freebird, and welcome to the club - before you'll know it you'll be bantering over interest with the rest of us

 

First of all, you'd be best off starting your own thread with the subject "freebird Vs Lloyds" or similar, so both you and we can keep track of your progress.

 

Bank horror stories like yours are unfortunately not unique - but at least this website allows us to voice the pain we've all been put through by the banks in a friendly environment with others who have suffered the same problem. If you need help or support in this process, you'll find it here.

 

In terms of the charges - you can certainly photocopy the statements with the charges you're claiming for, however there's a spreadsheet available here which also calculates the statutory section 69 County Courts Act 8% you are additionally entitled to when filing a claim with the Small Claims Court.

 

Note that you only claim the additional 8% when you actually file the claim - not in any letters to the Bank beforehand.

 

Don't be nervous. We are perfectly within our rights to reclaim these unlawful penalties. In addition, I will mention that I don't believe Lloyds have actually allowed one single penalty charge case to reach the Small Claims Court to this day.

 

Now, get that Letter Before Action sent

[Joa]

No

I am not a scouser, I am Polish (stubborn like a scouser, I am told).

As for the rest of the post; not many of us at all have any kind of legal background. Most of us are learning on the go. Templates here are very good and the interest spreadsheet (which needs to be used ONLY at the stage when you are actually filing the claim) calculates the interest automatically for you.

Please do not worry, we are all on the same boat.

The principle is that of openness; if you are arguing your point, you have to back it up with evidence and part of it are your bank statements with charges highlighted.

Have a look again at the library section and the FAQ section to reassure yourself that you are taking the steps in a right order; first letter, second letter, letter before action, court claim. Always keep copies of everything you send for yourself. Manage your expectations; it may take couple of months, so do not count on your money being refunded too quickly. If refund offered at an earlier stage, it will be a nice surprise.

With regards to your benefit being swallowed by charges I suggest you remove everything from your account that can generate your charges; direct debits, standing orders etc. If it’s not possible, open another account to receive your Income Support and transfer some money to the account from where payments are made when necessary. Find your local welfare agency (CAB etc) and apply for Social Fund- a lone parent with a disabled child should be a priority. Find out if you can apply for help at EDF Energy Trust

Finally, have a look at the following thread: http://www.consumeractiongroup.co.uk/forum/general/5478-can-they-really-do.html

 

GOOD LUCK

[freebird]

Cheers friends, it's nice to know I'm with like minded people who want to help each other out. In this cynical world, it's a relief to find a community such as this one.

I'm just looking how to start my own thread and then I'll let you know where I'm up to.

Thanks

Freebird x

[burnsies02]

Hi All

 

A WIN!

 

Burnsies02-v-LloydsTSB

 

Just received letter from Sechiari, Clark and Mitchell acting for LloydsTSB confirming settlement of £4,634 inc costs a couple of days before scheduled court hearing.

 

Action started about 12-months ago, but well worth the wait and effort.

 

Thanks to everyone at CAG!

[Joa]

This topic was closed on 09 March 2019.

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