LLoyds PPI and bank charges court claims issued

[Gary67]

Hello All,

 

I've been a member of this site for months and spent hours reading it, it is superb.

 

I've only just started taking action against my bank though, and have a few quick questions, please.

 

I have sent my SAR request to my own bank and not the Birmingham address, surely that's ok?

 

My request for payment ( on another account ) has also been sent to my own branch, was that OK?

 

On yet another account, I only have figures for 2001-2004 so far and really want to get started on this one too. Is it OK to file this claim up to 2004 and then start another claim in a couple of weeks for the rest? I have 2 reasons for doing this, 1, I can get a move on & 2, my claim on this account is going to be for well over the 5k limit for small claims.

 

What would you do? Wait and hit them with one big one or start my claim now and go for 2 smaller amounts.

 

Also sent letter last week asking for repayment on PPI which I didn't want, I'll post about that in a different thread.

 

Thank you

[BARTY]

Hello All,

 

I've been a member of this site for months and spent hours reading it, it is superb.

 

I've only just started taking action against my bank though, and have a few quick questions, please.

 

I have sent my SAR request to my own bank and not the Birmingham address, surely that's ok? They should forward it to the correct department for you, maybe give them a chase up on 0117 943 3133

 

My request for payment ( on another account ) has also been sent to my own branch, was that OK? Ok, again they should forward it on.

 

On yet another account, I only have figures for 2001-2004 so far and really want to get started on this one too. Is it OK to file this claim up to 2004 and then start another claim in a couple of weeks for the rest? I have 2 reasons for doing this, 1, I can get a move on & 2, my claim on this account is going to be for well over the 5k limit for small claims. I think this would be OK

 

What would you do? Wait and hit them with one big one or start my claim now and go for 2 smaller amounts.

 

Also sent letter last week asking for repayment on PPI which I didn't want, I'll post about that in a different thread.

 

Thank you

Good luck, let us know how you get on.

Barty:)

[Gary67]

Cheers Barty , I will start a thread tomorrow and let everyone know how I am getting on with all my claims, including the PPI.

[Gary67]

Hello all,

Just had a rejection letter from Lloyds, is this the usual that everyone else gets? Thank you in advance.

 

 

Dear......

 

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 thier accounts to cover 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 an 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 might need them. Thats why we take care to give every new customerthe 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. You can 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 your agreed overdraft limit, you're welcome to see if there's anything we can do.

The Office of Fair Trading has published new guidelines on credit card default charges. 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. This doesn't apply to your charges as these were for dealing with your request for going over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.

I understand that you also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

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.

I hope this fully answers the points raised with us. Please let me know if there is anything I can do to help. If we cannot come to an agreement, I will provide you with details of the Financial Ombudsman Service so they can consider your complaint independently.

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to this letter. If I have not heard from you by 26/04/2007 I will close my file, though of course I will re-open it should you come back at any point afterwards.

Yours Sincerely

Debbie Gilbert

[lucid]

Hi Gary,

 

Completely standard. Stick to your timetable and then proceed to the LBA.

 

Good luck. Lucid

[MrBooth]

I got exactly the same letter from the same person!!! Its obviously a standard as lots of other people on moneyexpert.com also received the same letter. Its a bit of a laughing joke on their forum.

 

Good Luck!!

[Just Frugal]

Hi,

 

I also got the same letter yesterday and it's nice to know other people are getting the same template responses!

 

Bit confused now though where to send my letter before action. I sent my first claiming letter to Gresham St in London and now this response has come from debbie gilbert at the Customer Services Recovery Centre, in Andover.

 

Should we be sending the next letter to Andover or stick with London?

[skbuncks]

sent all mine to

Customer Care

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

doesnt really matter as they have the power to redirect internally via snail mail

 

skb

 

ps

All of lloyds template responses can be found here:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/9551-lloyds-bank-template-response.html?highlight=template+letters

 

your letter is in post 49 here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/9551-lloyds-bank-template-response-3.html?highlight=template+letters#post223981

[tiglet]

Yup, she's a busy lady, that Debbie Gilbert.

[MrBooth]

Hi i sent my LBA to Andover as I am assuming that they are now dealing with charges from there. However, i have had no reply!!

[Janet-M]

The service charge argument they are giving to say it is not a penalty is very well know to the courts .It is called 'cloaking the penalty' .Just carry on as the step by step guide says

[Gary67]

Evening all, this site had made enthralling reading over the past few months and I dread to think of the amount of time I've spent reading on here in that time!!

 

So far I have claimed back £600 with 2 claims, the outstanding larger ones are at the court stage and have obviously taking longer.

 

I sent a prelim letter regarding ppi on 24th March and have heard nothing, so I am tonight filling out yet another court claim, it is this I need the help with.

 

I took out a loan for £8150 on 12th June 01 ( just made the deadline! ), I was told I had to take out ppi which was added to the loan, this cost an extra £1173.33, so the total loan value was £9323.33. The repayments were £211.96 for 5 years ( 60 months ) so £12717.60 was repaid.

 

With the figures I have given here is there anyone who could please work out what my APR is?

 

The reason I ask is I would like to reclaim the interest at the same rate instead of the 8%.

 

Hope this makes sense, thanking you in advance:) .

Gary

[Gary67]

Hope this gets more hits than my 'maths help' question ;-).

 

I have searched the site for a template to help me write my particulars of claim on my N1 regarding a mis-sold ppi.

 

Can anyone help?

 

Thank you

[hellhasnofury]

Hello Gary,

 

The interest rate was 12.9% on this loan.

Financial News, City News, Mortgages, Loans, Savings, Pensions, Market Reports | This is Money

[Gary67]

 

Cheers Hell, that is very much appreciated

[hellhasnofury]

You are very welcome:D

 

I got a bit confused when I tried to work out % and then I found that website:p

[jojo1974]

recieved exactly same letter today although its signed Andrew Parry , did it all get too much for Debbie Gilbert!!!

[tiglet]

Possibly the CAGers finally broke her!

[hellhasnofury]

Hello are you all sorted with the poc now:-D

[Gary67]

Ooo YEeess, very helpful thank you

It's turned into a decent claim as well, I've added the interest at 12.9% and with the 8% on top it's rather nice.

[hellhasnofury]

Excellent.

 

Will watch this space:D

[kippy2]

where did you find it? as i need poc for ppi on credit cards pretty please:)

[Gary67]

On my claims for bank charges I have ticked the 'NO' box on the Human Rights Act 1998. I presume on my PPI claim I tick the 'YES' box as I am claiming the defendants actions caused me loss under article 1 of the first protocal of the Human Rights Act 1998.

 

Any ideas please.

[hellhasnofury]

Hiya Gary,

 

You keep on popping up:D

 

You are better sticking to the same thread, even if you have a new question to ask. Or we will all get confused, it doesn't take much:eek:

 

I would think that if you have quoted it I would tick the box. I will, because I feel it have been:D but if it gets to court we will have to prove it. Months of hardship caused by extortionate insurance fees that we did not choose and were not given a choice in.

 

Speak soon and keep to the same s*****g thread:D

[Gary67]

Personal Account prelim letter sent 20th Feb requesting £4700.00

 

1st March reply from Debbie Gilbert ' she's sorry I am unhappy, but tough'.

 

6th March LBA

 

27th March Court claim for £6493.00 inc int at 8%

 

Defendant has until 16th April to defend..........no news yet, but from what I understand thats usual for Lloyds, expecting to hear in the next few days.

 

Business Account prelim letter sent 5th March requesting £4200.00

 

19th March LBA

 

2nd April Court claim for £5200 inc int at 8%

 

Defendant has until 30 April to defend

 

PPI

 

24th Feb prelim letter miss-sold PPI request for £1,100

 

6th March LBA

 

2nd April court claim for £1,100 + int @ 12.9% + int @ 8% = £3,000

 

Defendant has until 20th April to defend, no news yet.

 

2 small claims paid 2 weeks ago from Halifax totalling £600.

 

Total Lloyds claims just over £15,000 :o.

 

Thanks to CAG for advice and help so far, especially GaryH & Hellhasnofury.