Is this a standard reply from Lloyds TSB?

[lains]

I've had a letter from LloydsTSB (having written to reclaim £1090 of charges), sorry that this is a bit long but I want to make sure I should carry on with this claim or if this really is a no from the bank:

'Thanks 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 their accounts to cover a payment, this always means extra work - and it has to hapen 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 its fair to charge for this service. Of course its only fair too that we're completely open about any charged for services before you take them up. THats why we take care to give every new customer the 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 altogether. I'm sure you'll know how easy it is to kee a running check on how much is in your accout. You're free to get an uptodate balance at any of our cash machines, over the phone, online and by weekly text. If you know a payment is going to take you over the limit we agreed youre welcome to ese if we can raise it and we can usually give you an answer straight away. Again, we can do that for you by phone, on line or at any of our branches. 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. Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your comlaint to the Financial Ombudsman Service for independant advice. If you are happy with the way I have dealt with your complaint there is no need to reply to my letter. If I have not heard you by the 20/04.07 I will close my file though I will be happy to reopen it should you come back at any point afterwards. '

Once again, apologies for that this is such a long post but I want to be sure I'm not pursuing something that I shouldnt. I'd be really grateful if someone can just tell me to get on with it to give me the confidence!

Thanks very much

[dx100uk]

yep std crap

ignore it

[GuidoT]

Usual nonsense, just carry on with your claim sticking to your timetable.

[lains]

Thanks for your help - I shall continue as planned!

[jwoffy]

Hi there

 

I have received the exact same letter from Lloyds today. I am going ot send the 2nd letter but I am unsure as to what I need to put on the letter where it says 'name of the court'? Can anyone help

 

Many Thanks

 

 

PLEASE START YOUR OWN THREAD ,THANKS -Janet-M

[dx100uk]

what letter? are at lba stage or pre-lim?

 

dx100uk

[lains]

The letter template on the Money Saving Expert site has a paragraph that reads: 'This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour. ' I don't know what to put in there either? Is it just your local court?

Thanks for any help.

[ladybird17]

advise that you stick to one site or the other - procedures are different and your claim will be a mess.

[lains]

Have being using all the letter templates from MoneySavingExpert as didn't know this site existed until much later on in the process. Didn't want to switch over half way so will carry on with those templates - but still don't know what to put in that space. Has anyone else seen/used them?!

[ladybird17]

you may be able to redeem situation, - IMO this is the far better site. Not sure how far you have got, but I would carry on from this site, using the Letter Before Action template, and then stick to procedures on here.

But perhaps you could just give a brief summary of what letters you have already sent and what the timeframes were in them, and then you may get better advice.

[jwoffy]

Hi

 

The 1st and only letter I sent was a long the lines of that I wasnt happy about the charges and that I wanted to claim the charges back etc. I then got the standard letter back from TSB. Which will be the best letter to send next as I used the template off moneysaving expert?

 

Thanks

[cindytc]

jwoffy you need to start your own thred and not hijack others all the letters you need are in templates have a good read around this site and all will become clear to you http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11 start your new thread here and introduce youself

[jwoffy]

Theres no need to be so rude. I onyl posted on this thread since the gentleman was at the exact same stage as me. Dont worry - I wont post again.

 

Cindy was not being rude , we ask everyone to start there own thread .If at a later stage you need to ask questions it is much easier for us if we can see at a glance in your own thread what you have done so far .This way you will recieve more informed advice

Janet-M

[cindytc]

i was not being rude i thought i was being helpfull

[Nads]

I have just received this response to my Prem letter. Check out Para 5, what on earth are they talking about and I'm not impressed with the constance mention of the word "Service" either. - Can I just ignore this rubbish and forward my 2nd letter with an updated Schedule of charges (as I'm also claiming contractual interest)?

 

"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 their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payments 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 take them up. That’s why we take care to give every new customer the 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 altogether. I’m sure you’ll know how easy it is to keep a running check on how much is in your account. You’re free to get an up-to date balance at any of our cash machines, over the phone, online and by weekly text to your mobile. If you know a payment is going to take you over the limit we’ve agreed, you’re welcome to see if we can raise it – and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.

 

You’ve mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don’t agree with the OFT’s thinking on this and 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. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you haven’t broken your agreement. They are out prices for the service we provide in these situations.

 

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.”

[Janet-M]

Have being using all the letter templates from MoneySavingExpert as didn't know this site existed until much later on in the process. Didn't want to switch over half way so will carry on with those templates - but still don't know what to put in that space. Has anyone else seen/used them?!

You can't use someone elses templates and then ask us to comment on them .If you use our templates then by all means ask us about them if you want to stick with MSE templates then you need to ask them .

[dx100uk]

have you got a thread running yourself nads

if so post the link and i'll reply there.

 

 

dx100uk

[jeannegenie]

just found out about this site so this is my first posting i too am trying to claim back my bank charges from lloyds only mine is on a business account. i am right in believing that i can claim back these charges even on a business account am i not?. as lloyds seem to think not, they state in their standard fob u off letter that the unfair contract terms act 1977 does not apply to me as i am a business customer.

[broke dave]

jeannegenie,

You need to start your own thread. Call it something like jeannegenie v Lloyds TSB (Business) and then people can start helping you. The rules are slightly different for business accounts but yes the charges are still unfair and you can claim them back.

Follow this link to start your own thread:

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11

 

I think that works