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Claiming back charges where do i start?!


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Blimey that was quick! only spoke to the bloke this morning and ive just checked my account and the £135 is in there got to save that though for the court cost! sent the rejection letter off and they have till the 6th of april to pay the rest (which i doubt!) or i start the court stage can anyone tell me the first step of putting my claim in at court? just so i can be prepared for it as this is where i am going to be stuck!

 

Thank you

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Got my dates wrong lloyds have until the 30th of march to reply to the rejection letter dont know where i got the 6th of april from! anyway i want to get prepared for the court claim can anyone point me in the right direction please? which is the best way to file online or by post?

 

 

 

Thank you

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Hello guys

 

I've just completed the Advanced Schedule. As you advised I read the FAQ through before i started the work.

I still have got a question what i'm confused about: Could you pls advise me whether I can claim the O/draft excess fee or not. I can not find my agreement with the bank unfortunatelly. I do understand from the FAQ that i can claim for exceeding my overdraft, but FAQ also says that an agreed overdraft fee is can not be claimed for... I'm confused. :)

Lloyds statment says: "O/draft excess fee"

Another problem is very simiular: How can i find out wheter i have any interest free overdraft limits?

Thanks for your help. Anita

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Hello guys

 

I've just completed the Advanced Schedule. As you advised I read the FAQ through before i started the work.

I still have got a question what i'm confused about: Could you pls advise me whether I can claim the O/draft excess fee or not. I can not find my agreement with the bank unfortunatelly. I do understand from the FAQ that i can claim for exceeding my overdraft, but FAQ also says that an agreed overdraft fee is can not be claimed for... I'm confused. :)

Lloyds statment says: "O/draft excess fee"

Another problem is very simiular: How can i find out wheter i have any interest free overdraft limits?

 

Thanks for your help. Anita

 

Hi

Yes you can claim o/d excess fees.

If you start up your own thread we can help you with anything else you get stuck on.:)

Barty:)

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

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi Barty

 

 

Thank you for the links they are great very useful advice who watched the whistleblower the other night!!!!! very interesting...........

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Hi poor graduate

 

 

I dont think they can do that but then you never know with lloyds! i hope they cant because i also have a loan with them sure someone will be along soon to answer this question good luck with claiming back your money!

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Hi AllWell my 14 days are up tommorow for lloyds to pay up my next stage is to put the claim into court I will need some help here I would like to do it on line and I think I am right in saying I now have to add th 8% interest I still hope that my cheque will be on the mat when I get home from work what do you think my changes are I think lloyds have proved they are quilty by offerring me £70 as a good will jesture well here's hoping let me please have some help with my next stage also how much do I pay on line for the court'sthank's to all L377414 v Lloyds

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you can use MCOL to file your claim. this is how i worded mine, you will of course need to put your own figures in

 

i am claiming the return of money taken by

the defendant in the way of charges over

the last 6 years. the banks charges are are

disproportionate penalty and therefore

unenforcable as they are contary to common

law. further as a disproportionate penalty

they are invaild under the unfair contracts

terms act 1974 s 4 and under the unfair

terms in consumer contracts regulations

1999 para 8 and sch 2 1 e in the event that

the charges are not a penalty then they are

unreasonable within the meaning of the

supply of goods and services act 1982 s 15.

i have repeatedly asked the bank to justify

their charges but they have declined to do

so. i am claiming £***.** in charges(TOTAL AMOUNT OF CHARGES)

The claimant claims interest under section

69 of the County Courts Act 1984 at the

rate of 8% a year from (FIRST DATE OF CHARGE) to

(LAST DATE OF CHARGE) of £00.00p(ADD 8% AMOUNT IN HERE) and also interest at

the same rate up to the date of judgment or

earlier payment at a daily rate of £00.00P.(ADD YOUR DAILY RATE OF INTEREST HERE)

 

HOPE THIS HELPS

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I have just donated to the site as i have received great advice from people on here and i hope it continues to run to help others

 

 

 

Edit i am now at the court stage and i have got to file my claim i have saved £100 for the fee but dont know weather to do it by post or online!? if i do it by post do i have to collect the form (is it a N1?) or can i ring them and they send it to me in the post?

 

Thank you

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You can download it here:

 

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

 

I personally did the MCOL as I found it easier, but sent a list of charges to them and to SCM with my claim number, so they couldn't do the 'too vague' argument.

  • Haha 1

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thank you michael ive been reading the form and i cant remember the year i opened the account it was either 1997 or 1998?! im trying to ring lloyds now to see if they can tell me is there any other way i can find out?

 

 

 

Ahhhh can someone advise me please! I dont think i can use MCOL to file my claim the problem i have is i dont have a printer and have been emailing the letters for lloyds to a friend to print out will i have to file my claim by post then?

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No the woman on the phone reckons she cant tell me and that i have to go to my local branch to find out the year i opened it i find that hard to believe when she has a computer in front of her! but maybe she cant i dont know!

 

And the first thing she said when i asked her was "thats a question ive never been asked before hold on il go find out"

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Hi

 

I too am concentrating ;)

 

How many years of statements did you get. They may have sent you them all???

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi

 

I too am concentrating ;)

 

How many years of statements did you get. They may have sent you them all???

 

 

 

Hi

 

 

Ive got all the statements i just need to find out the year i opened the account and i just cant remember!

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When I sent for mine they sent me a lot more statements than just the 6 years. If you check the dates on your statements you may find they go back to on or around the date you opened your account.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Thank you michael ive been reading the form and i cant remember the year i opened the account it was either 1997 or 1998?! im trying to ring lloyds now to see if they can tell me is there any other way i can find out?

 

 

 

Ahhhh can someone advise me please! I dont think i can use MCOL to file my claim the problem i have is i dont have a printer and have been emailing the letters for lloyds to a friend to print out will i have to file my claim by post then?

 

Hi

If you use MCOL you don't need to print anything, the claim is done online

Barty:)

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

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Thank you Barty but dont i need to keep a copy would i be able to save it somewhere then email it for a friend to print out?

 

 

Still havent figured out how to use the smilies i click on them but nothing happens!

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