mario v Lloyds

[Guest Lueeze]

You cannot just add 8% on top of your claim, you have to work out the daily rate, then multiply it by the number of days since the charge was applied.

 

Louise

[Dappa44]

Ahh my original sig was correct then?

 

boy am i confused here.

 

Sorted now, back to what it was, the spreadsheet calculates how much interest you would have earned on a charge a few years old for example...

Right im back on track. Cheers Lou

[Guest Lueeze]

Dappa you might need to start your own thread now, as this is Mario's thread originally and its gone off track, good luck...

 

Louise

[mario]

Actually I dont think its even mine I have somehow hijacked it,been reading the FAQ so I think I am clear now on the 8%.

 

Just a question on the list of fees/charges I have on the statements re what I can claim back,which ones below can I claim for.

 

account charge fee

overdraft excess fee

overdraft interest charge

overdraft usage fee

unpaid dd charge

unpaid s/o charge

[Dappa44]

 

 

overdraft excess fee

overdraft usage fee

unpaid dd charge

unpaid s/o charge

 

Those m8

[mario]

Cheers Dappa,finally got my head around it all,Lloyds give it back 'computer says yes'.

[Guest Lueeze]

do you pay a monthly fee then for your account? Whats the account charge fee?

 

you can claim a % of the overdraft interest, see Vampiress spreadsheet to work it out for you!

 

Lou x

[mario]

When we file the moneyclaim do we have to show how the amount was worked out and if so do we just use the spreadsheet.

[bram stoker]

When we file the moneyclaim do we have to show how the amount was worked out

No, is the simplest answer.

[mario]

Mucho grassearse.

[bram stoker]

De nada.

[mario]

Ok they have had 14 days now its time for my LBA letter.

 

 

 

 

 

 

 

 

 

 

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Lloyds TSB Claiming £584 +£24.44 O/D interest charges

[mario]

Whats the head office address in full please

[mario]

I am finding it impossible to keep the amount of characters in the moneyclaim below 1,000.

 

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1 The Claimant has an account No"********" sort code ****** with the Defendant.

 

2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Claimant contends that:

 

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

 

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges in the sum of £644 and any interest charged thereon;

 

b) Court costs;

 

d) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

 

 

 

Name

[Dappa44]

P.M. me your email addy m8, i'll mail you mine that i did 2 days ago, all you will have to do is change the amounts.

[mario]

Filed my moneyclaim but a couple of things bothering me,did I need to put account No and sort code (name and address is on claim)and at what point is the spreadsheet calc sent.Getting a bit worried now,cannot see anything on the forum as to when spreadsheet is sent or if you have to send any paperwork.

[mario]

When I file my claim do I have to include all the dates the charges were incurred along with the amounts and the interest or do I just need to put the worked out totals in the claim along with the correct wording.

[Spiceskull]

It is not compulsory, but it would be prudent to supply a particularised claim to both the court and the bank.

 

Banks have a new stalling tactic, bleating that they cannot defend at present because they are unaware of the charges they are meant to be defending.

 

You need a list of dates, charges, what the charges are for (e.g. O/D) and the relevant s.69 interest calculation on the day of the claim. The schedule also needs to include your name, the bank's name, claim number and period you are claiming for (e.g. June 2000 to June 2006)

 

As I say, this is not compulsory, but you will need to present it if you go to court anyway.

 

Good luck.

[mario]

Ok I have this all on a spreadsheet but this was not included in my moneyclaim online although I have put all the correct wording and amounts in.So do I send a copy of this spreadsheet to moneyclaim and to Lloyds TSB head office.

[Janet-M]

Hi Mario , a fella scouser you do not need to send it to Lloyds ,I didn't .I just put it in with my claim.If your not to far from Queen Elizabeth courts then to be honest I would recommend just going in and doing it personally .I found it a much easier way as I was able to word my claim how I wanted without being restricted to how many words I could use.As long as you take 3 copies of everything .You must show all your working out on the calculation sheet if you want an example let me know

[mario]

Janet I have already filed so was wondering what do I do with the spreadsheet (I have already got it all worked out.See below

 

 

Days since Interest 8%

In Respect of: Amount Date Incurred offence apr

 

OVERDRAFT EXCESS FEE £20.00 01/08/02 1408 £8.73

OVERDRAFT EXCESS FEE £20.00 01/10/02 1347 £8.35

UNPAID S/O £30.00 01/11/02 1316 £12.24

OVERDRAFT EXCESS FEE £20.00 02/12/02 1285 £7.97

UNPAID S/O £30.00 02/12/02 1285 £11.95

UNPAID DD CHARGE £30.00 02/01/03 1254 £11.66

UNPAID S/O £30.00 02/01/03 1254 £11.66

UNPAID S/O £30.00 03/02/03 1222 £11.36

UNPAID DD CHARGE £30.00 01/04/03 1165 £10.83

UNPAID DD CHARGE £30.00 01/06/04 738 £6.86

OVERDRAFT EXCESS FEE £20.00 02/08/04 676 £4.19

UNPAID DD CHARGE £32.00 01/06/05 373 £3.70

UNPAID DD CHARGE £32.00 01/08/05 312 £3.10

UNPAID DD CHARGE £35.00 01/09/05 281 £3.05

UNPAID DD CHARGE £35.00 03/10/05 249 £2.70

OVERDRAFT EXCESS FEE £30.00 01/12/05 190 £1.77

UNPAID DD CHARGE £35.00 01/12/05 190 £2.06

OVERDRAFT EXCESS FEE £30.00 03/01/06 157 £1.46

UNPAID DD CHARGE £35.00 03/01/06 157 £1.70

OVERDRAFT EXCESS FEE £30.00 03/04/06 67 £0.62

OVERDRAFT EXCESS FEE £30.00 02/05/06 38 £0.35

OVERDRAFT EXCESS FEE £30.00 02/06/06 7 £0.07

 

 

Total Fees £644.00 8% Interest £126.33

ADD O/D INT £27.76

TOTAL £671.76

8% PA Interest £126.33

 

TOTAL £798.09

[Janet-M]

By each amount show the interest claimed for that and how you worked it out ie:

 

03.10.2000 £20 Over Draft excess fee + interest at 8% at XXXP x 2010 days

 

You do this for each amount and head it LIST OF CHARGES ATTATCHED

 

moneyclaim has a very good help line if you ring them tell then you want to send something to be added to your claim and they will tell you where to send it to ..You do not need to send it to lloyds just the court.

[Janet-M]

Let me know how you get on

 

 

MODERATED threads joined , please keep to your original thread when updating or asking questions

[mario]

Ok Janet

 

Would have kept to thread but urgent quest was not answered so posted a seperate question sorry.

[mario]

Moneyclaim filed on 8th of June.

 

 

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Claiming from Lloyds TSB £671.76 PLUS 8% Interest