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sheppie D v Lloyds


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Hi

 

Newbie here!

I have read quite a bit on the site.

I was wondering if I can also Claim

the interest I was on overd Drafts.

 

Thanks for the Help

 

sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Hi Sheppie,

 

Quick answer, you can claim the interest incurred by the charges levied against you only, as you can imagine the maths in this can be complicated and potentially amount to not much, (depends on your situation i suppose). Many tend to ignore the interest for simplicity, especially on first claims.

 

Hope it helps

 

Also, read more and more, there is a lot of info here so take your time, and when ready start a thread in the relevant bank forum.

 

Here are a couple of links to get you started and i suggest you always keep them to hand.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

When you are comfortable start a thread "XXXX v Bank Name here" in the relavent bank forum as then people with specific experience of this bank can offer support and advice.

If you need a quick answer to a question you could always try the chatroom as there are usually some very helpful people in there.

Very best of luck

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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Thanks very much BB.

Helpful information. Will chat soon

and let you know how I'm getting on.

Will cetainly follow you advise.

 

Sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Just seeing if you started a thread in the forum for your bank Sheppie after our chat last night. Hope you got it all sorted.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just joined and in the process of putting my paper work together.

Will be welcoming advice and help from others that have suffered

unfair charges by Lloyds.

 

sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Hi BB

I'm using the excel spread sheet which now seem not to be working as it should. I have done one for account 1 and now I'm working on my second account typing in the figures and the fomular is not calculating my interest. (Hope I am making scence)

 

Shepie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Hi sheppie,

 

Are you overwriting the spreadsheet you used for account 1, or have you downloaded a new one form the site.

 

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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Hi sheppie,

 

Just had a look at the simple excel spread sheet from here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

And it was working fine, so i am confused.

 

What happens when you try to use it?

 

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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  • 4 weeks later...

Thanks for your help. I was informed by Caro that

I was inputting intrest that was not coresponding to

charges (hope that makes sense). So I think I can

now sent my first request along with the spreadsheets.

 

Many Thanks for your help!:)

 

SheppieD

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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mioliere29th March 2007 06:39Re: Statements not in UK!

 

Hi to all. I'm not sure if this is going to be a problem or not! I have commenced two MCOLs against LloydsTSB - one for a private account and one for a business account. The bank have filed an acknowledgement of service and their intention to defend in each case. As far as the private account is concerned, I was able to send copy statements with my very first letter. On the business account, I submitted copies of the relevant parts of my end of year accounts - as certified and signed off by my accountant - showing the charges made by the bank for each of the last six years. I am expecting to receive an AQ (the bank have to file their defence by 10.04.07) for which I believe I have to submit a bundle to the court and I would like to know whether or not I will have to submit the actual bank statements showing the relevant charges or if the accountant's paperwork will be enough. Obviously, the paperwork has been good enough for the Inland Revenue each year! I ask this question because all the statements for that particular account are in France where my OH and I have a holiday home which we intend to move into permanently at some time in the future. We inadvertantly took them over there on our last trip last year along with other bits and pieces we didn't think we would need to keep handy! Obviously, if I have to hand these into the court then I will have no choice but to fly out to France and retrieve them but I would prefer not to have to! I will be going out there for a couple of weeks at the end of May. If I do have to include them in a bundle for the court, how long will I be given once I receive the AQ and would I be able to put proceedings back until my return to the UK in June? I do hope someone is able to help, I'm sorry if this is a difficult question and sorry, also, for such a long post!

 

Yesterday, I received a letter from the solicitor acting for Lloyds TSB in this case. They ask for certain details which I am able to provide and also details of each and every charge saying 'unless we receive a breakdown from you, giving full account details and showing each charge, what it relates to and the date levied, within seven days of the date of this letter (27th March), we will make an application to strike out the claim'. I have applied for online banking with the bank but that will take a few days to be up and running. Once it is, I will be able to download the relevant statements - at least, as far back as 2002 - but, obviously, to do that and then go through them all, will take some time and certainly I won't be in a position to send all the information to the solicitor by next Tuesday 3rd April - the seventh day from the date on their letter. Questions: Are they able to make an application to strike out the claim? Are they able to insist on the information being sent to them within the seven days they stipulate? What should I write in my letter of reply? Obviously, I will have to respond to the letter. I have posted the first part of this post on another thread but have only had one reply which was very useful because the advice was that I could download statements online, but I would be obliged for any other advice. I feel that time is running out for me and I do not want the solicitor or the bank to decide on the time-scale when it is MY money I'm trying to get back!

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  • 1 month later...

Hi

 

Well I have been away for some time and I'm now back.

I sent of my Preliminary Request for repayment of charges,

and I got the same standard letter from Debbie.

So I guess that I will now move to the next stage.

 

 

 

Sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Hi Caro

 

 

Loooong Time!!!

 

 

Well I have been away for some time and I'm now back.

I sent of my Preliminary Request for repayment of charges,

and I got the same standard Leter from Debbie.

So I guess that I will now move to the next stage (LBA).

 

 

 

Take care

 

Sheppie

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Oh yes fire off that LBA ASAP then hit them where it hurts with a MCOL in 14 days time.

Sock it to em Sheppie

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Certainly is a long time. They only needed 14 days before you sent the LBA you know. lol

 

You can start sussing out the court stuff now ready for the next inevitable stage.

 

You take care too.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Great

 

Thanks for that my LBA is going to off on Monday.

Confirm it is the letter (LBA) and the same Spread sheets

that I sent with the PreliminaryLetter?

 

Yes Will Read up and prepare for that stage.

 

Have a Great Week-end

 

Sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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If you've had any more charges since you can safely add those.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

I sent off my LBA an 14 days have past and still have not heard fronm LLoyds. What do I do. Do I call or write again?

Help

 

Sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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I sent off my LBA and 14 days have past and still have not heard from LLoyds. What do I do? Do I call or write again?

Help

 

Sheppie D

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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