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Hi there everyone i'm just wondering if i can start to make a claim even if i am still in my overdraft? The thing is, i practically live there :oops: . I've been reading thru the site and i've got a pretty good idea of what to do even thou i'm not the sharpest knife in the draw:oops: , but thats one thing i need clearing up please. Please help me, i want my money back but i'm gonna need a bit of guidence along the way from the more intellectual ones of you out there :p.

Also just one more thing does anyone think that the fact that i used to work for Lloyds TSB might complicate things or am i just as likely to get my money back as everyone else (I think i deserve it more after work for the thieveing b******S :-x for 3 years!!)

 

Many thanks and lots of kisses

 

XXXXXXXXXXXXXXXXXXXXXXX

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Hi and welcome.

 

Yes you can begin when you have an overdraft. They can't treat you any differently because you used to work for them. There's another thread Can Lloyds Staff Claim Back Charges???? where somebody who recently left Lloyds is beginning the process. You might find it useful to follow.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Thank you very much for your help:oops: I'm very very grateful.

I have had a read thru that and i feel a lot happier now. I've been reading bits and pieces since thursday and i now feel ready to send off my prelim letter tomorrow, i'm thinking maybe send it courier thou so they have to sign for it?? should i use the gresham street address for my first letter??:oops: :oops:

 

Also can i run two claims simultaneously one for my bank account and one for my credit card??:oops:

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That's ok. Send your first letter to:

 

Customer Service Recovery Centre

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

This seems to be the main recovery centre that people deal with. If you receive a reply from either the recovery centre in Andover or Brighton then send your LBA to the new centre as they will have transferred your original letter to them.

 

Yes you can run two claim simultaneously.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Really Really Big Thanks :oops: :oops: XXX

 

Right, Deep breath then, i'll be a brave girl and i'm gonna do it, i'm gonna send my first letter tomorrow, requesting 790 quids worth of disgusting charges and then i'm gonna go thru my credit card statement tomorrow evening instead of going to the gym (one night wont hurt) and find how much they owe me from that!!

YAY!! I'm actually quite excited

 

XXXXXXXXXXXXXXXXXXXXXXX

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Hi Everyone i'm sorry to be a pain but i'm just in the process of compiling everything to send off today, just wanted to double check, that it is only the charges i add up at the moment and the 8% interest is added at a later date???:confused::confused:

 

Many Thanks

 

Jen

XXX

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OK I've done it :p I've sent my prelim letter today. Sent it by courier so they'll have to sign for it so they can't claim they never got it. I'm still quite nervous but keep reading bits on the site daily that are boosting my confidence.

Waiting in anticipation for my first response from them :oops:

Gotta start a load of claims for my boyfriend too tomorrow, i'll be an expert at this soon LOL

XXXX

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Hi Peeps,

Still no letter from Lloyds! One week and counting before i send my LBA. I konw they have had my letter coz i sent it courier and they have confirmed that it was signed for on the wednesday morning at 8:38am (too early for me :p) .

 

I do have one question thou please if someone can help?

Is it the same procedure to claim back from my credit card or does it differ??

 

Many thanks in advance

 

Jen

xxx

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Lovely, thanks michael.:p

I will be sending an SAR for my credit card tomorrow then as i don't have my statements for that.

If i don't receive any response at all to my prelim letter that i issued last week on my bank account within 14 days do i just go ahead and send the LBA?

 

Thanks

 

Jen

xxx

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Thanks Barty :p

 

I will keep you updated (and probably need more help along the way :confused:)

 

I was quite excited when i got home last night and found a lloyds tsb envelope on the mat (sad arent i) thought it would be my very own "sod off letter" but unfortunatly it was just a statement (no charges this month thou)

 

Thanks again for your help

 

Jen

xxx

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Hi everyone, received my very own "sod off" letter yesterday!! YAY!!:p

 

Dear Miss XXXXX

 

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 and 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 take them up. That's why we take care to give every new customers 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 altogether. I'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to 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 the limit we've agreed, you're welcome to see if we can raise it - and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.

 

You've mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don't agree with the OFT's thinking on this and 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. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you haven't broken yur agreement. They are our prices for the services 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.

 

Please let me know if there is anything else i can do. If we cannot come to an agreed solution after this i will help you refer your complaint to the Financial Ombudsman Service for independant advice.

 

If you are happy with the way i have dealt with your complaint, there is no need to reply to my letter. If i have not heard back from you by the 09/04/2007, i will close my file, though I will be happy to reopen it should you come back at any point aftrewards.

 

Yours sincerely,

 

"Beautifully photocopied signature LOL"

 

Debbie Gilbert

Team Manager

Customer Service Recovery Centre Andover

 

 

 

 

BLAH BLAH BLAH!!!

I laughed so loud when i got it, its an exact replica of so many other peoples responses and once any fails to provide any information as to exactly why they are charging so much for these "sevices". HE HE

 

Will be sending my LBA today, can someone tell me if i address this directly to Debbie Gilbert (I actually feel quite sorry for her, having worked for LLoyds myself) at the Andover address or stick to the one i used for my prelim letter? I think it is the former but just double checking, if someone can help please?

 

Jen

XXXX

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Thanks Barty you have been a great help to me.

 

I will send my LBA today then, by courier again.

 

Let the countdown begin.

 

I'm going to start familiarising myself with the court bits and pieces over the weekend, done the speadsheet with interest to go with the N1 but can't seem to upload the court bundle info, think its because we run Linux here instead of Windows, so i'll have to pop over my mum's while she's away and abuse the facilities there.

 

Thanks again to Barty for all your help

 

Jen

xxx

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Sounds like you and me are at exactly the same stage. I am posting my LBA today and doing my homework in preparation for the courts over the weekend too.

:p

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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YAY!!! Someone else in the same boat as me!! (It's only a cruddy little row boat at the moment but i'm hoping to trade it in for a luxuary cruise liner when i get my charges back LOL)

 

Good Luck to you. :p

 

I will look for your thread, so if you find anything of use over the weekend please post it, and i will do the same

 

jen

xxx

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YAY!!! Someone else in the same boat as me!! (It's only a cruddy little row boat at the moment but i'm hoping to trade it in for a luxuary cruise liner when i get my charges back LOL)

 

Good Luck to you. :p

 

I will look for your thread, so if you find anything of use over the weekend please post it, and i will do the same

 

jen

xxx

 

 

Will do ;-)

 

And didnt say before my thread is TALLING V LLOYDS TSB

I posted earlier so should be easy to find x

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Thanks, just had a read thru it. Sounds like they gave you quite a run around with the SAR. Luckily i got my statements on line so i didn't have to go thru that :p. But i am sending one for my credit card, having read you thread i think i'm going to have to be one of those "pain in the backside customers" and phone every week to see how they're getting on with it LOL!!!

 

just one question :confused:

Where did you look to find your local court?

 

Jen

xxx

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Well......i just googled 'County Courts' and one of the sites gave me a drop down menu to choose my local court. However, most of my local courts are Magistrates Courts not County Courts. Got to go further afield for one of them (dunno if a magistrates court can deal with my claim

:confused: have just emailed Barty to ask)

:p

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Hmmm i just tried that and my local one comes up as a "Combined court", sorry to ask the obvious but does this mean it is both a county court and a magistrates?

I hope so coz that ones only round the corner from where i live.

 

Does anyone also know, if i do actually have to go to court (which i'm quite happy to do) can i take someone with me?

 

Jen

xxx

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I would just phone them and ask

:p

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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