Lloyds Tsb bank charges

[ali1983]

Hi,

This is my first time on here, my friend was previously helping me out with sending a letter to lloyds reagrding their bank charges and requesting a refund of mine, total of £3385!!!!

Today i received a letter back from them explaining how they feel there is nothing wrong with their bank charges and they won't refund them back to myself. I now need some advice on what letter to send to them now, as i'm completely stuck and am in some urgent need of help!!!!

Help Me, Help Me!!!!!

[Michael Browne]

Welcome.

 

Letter before action

3. Letter before action - Consumer version - asking for it back

 

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything.. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started is here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[reidnet]

Hi and Welcome to CAG..

 

Before you start please have a read through the FAQ section...

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Then once you start your claim , start your own thread in the Lloyds Bank Forum.. you may want to spend some time having a look through it too, this will give you some idea of what to Expect from Lloyds..

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

 

Good luck, and dont be afraid to ask for help if you need it, Even though you think your question might be silly.. still ask..

 

Ian

[ali1983]

Thanks for your help guys, really appreciate it!

I'm just wondering the 1st letter i sent to lloyds that my friend gave was different to the one on this website. wil this make a difference to the next letter that i send to lloyds?! Sounds silly i know but i just want to make sure before i the next letter that you suggested. Their reply to me was that they feel their charges are fair!!! Which i feel is totally a way to et out of it.

Thanks

[reidnet]

Your first letter should be ok, well they have replied that their charges are fair and reasonable.. Oh there goes them Flying Pigs again..lol

 

I would move on to the next stage and get your LBA sent off to them..

 

Good Luck

 

Ian

[ali1983]

Thank you so much!!

Well i've been on holiday for a while and they still haven't even replied to the LBA letter!!!! How bad is that?!!! so now i suppose it's court action here i come!! if anyone has any advice to give me now i would appreciate it so much!

Thank you

[Michael Browne]

Getting MCOL Right

[reidnet]

They never bothered to Acknowledge or defend my second claim..lol

 

was awarded decree in their absence.. They took note when I sent them a fax copy of the decree and gave them a few days to pay up or the Sheriff Officers (Bailiffs) would be visiting . Cash was in my account within couple of hours..

 

Ian

[livelylad]

Please start a thread in the Lloyds forum, the welcome forum is for a brief introduction. I have posted the link for you.

 

Lloyds new thread