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sam vs llyods


SAMREID21
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Hi everyone! well im just starting out again - i tried this out twelve months ago but got freaked out and decided not to carry on. Since then i have been charged continousley for the past six months as llyods have changed there policy and decided they will now charge for going overdrawn under £10 - leading to me being charged for going overdrawn by £8. From there charges debited again took me overdrawn leading to more charges etc etc etc! Lloyds refused to help me in any way at all so ive decided enough is enough. Over 4 years they have taken £1400. Im determined to follow this through all the way this time and have spent hours looking through the FAQ. So hopfully with the supprt of the consumer action group website i can go all the way. First letter has been sent. Awaiting my reply! :p

Just a quick question - i was forced to take out an overdraft to repay charges how do i go about reclaiming do i add the overdraft amount or just the excess fees?

Sam Reid :p

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  • 2 weeks later...

OK- WELL seem to be having problems with the postal service around here and im sending my first letter again as ive had no reply and im thinking thats unusual! Anyway was wondering if anyone could help and tell me if i can claim back overdraft excess fees on an overdraft i was forced to take out to cover charges repayments only? not sure if thats allowed and it a good £290-£300?

Sam Reid :p

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Hi

I wouldn't bother sending it again, sometimes they don't reply, as long as you have proof that you have sent it.

Overdraft Excess fees are claimable.

Good luck, let us know how you get on.

Barty:)

  • Haha 1

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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  • 3 weeks later...

Ok - sent second letter after recieving my "we will look into it letter", and am currently in the process of sorting out my claim form. Ive heard that it is easier claiming with my local county court rather than money claim online - is this correct? im thinking im gonna need some help with this becaouse If or when this gets to court im gonna be a nervous wreck!

 

Any advice PLEASE! :confused::)

Sam Reid :p

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Hi

Filing by N1 at your local court is considered better as you have a lot more room to write out your particulars of claim than you do if you use MCOL. I did use MCOl though and had no problems. Have a read at these links to help you:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

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

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

If you need any help, just ask.

 

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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