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Ironman20082006v LloydsTSB


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hi everyone I ve just had back from LLoyds Tsb an acknowledgement thet are looking into my claim for £3000.Kerry Parfitt Andover

 

Theyclaim they will respond in a further 2 weeks.Having already given them 2 weeks to pay in full I presume I should send a second letter given them 7 days or legal action?

 

Or can you just go straight to legal action.?

 

I ve also got a business account with -did nt realise you could claim for charges there as well

 

Cheers

 

everyone:rolleyes:

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Ironman,

 

Don't let Lloyds dicate the timescale. Stick to the timescales mentioned in your letters. It is not your fault Lloyds cannot respond.

You should have given them 14 days to respond when you sent your preliminary request. If that time has expired, go ahead and send your letter before action. Then, if they have not refunded your charges after 14 days, then start legal action through the courts.

 

regards,

 

Pondfish

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Thanx Barty just had in post letter back from lloyds blah blah refusing to cancel and refund charges

'oft has published guidlines which we are reviwing ......guidlines are for default charges as this doesnt apply to you as you have nt broken agreemnet these are prices for services in these excess overdraft situations'

 

Presumably this is a standard letter? My 14 days lba runs out next wednesday i still have to wait until then

 

Any guidance much appreciated

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HI everyone read this in times today:D

 

New probe into UK bank charges

 

OFT to initiate a full-scale investigation, saying it has "real concerns" over level and frequency of bank charges

 

Robert Lindsay

 

 

The Office of Fair Trading (OFT) said today that it would be mounting an in-depth study of bank charges on current accounts after a five-month investigation determined that there were issues of "real concern" to customers.

The OFT revealed in September that it was to carry out a "short preliminary study" into current account bank charges, usually imposed when customers go beyond their overdraft limits.

John Fingleton, the OFT chief executive, said today: "The issue of bank current account charges is a matter of real concern to the banks' customers, and raises wider questions about competition and transparency of pricing."

He added: "The initial scoping work we have undertaken has demonstrated to us that this is not only an issue for those people who are being charged, but also for customers who are not defaulting on their bank accounts."

He gave warning that "a quick-fix solution is not the answer" because it could have far-reaching consequences in the long term.

Last April the OFT set out new principles over credit card charges after widespread public outcry over high charges for defaulting.

There has been mounting public concern over the high charges banks impose on customers for going temporarily overdrawn.

However, in a concession to the high street banks, Mr Fingleton said: "The UK retail banking market performs well in many dimensions, especially relative to international norms."

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Looks like your in the same boat as me with Lloyds. I'm going to send LBA out first post 2moro haha

 

I think i should quote some of that stuff above in the LBA cos they obviously tried to blag me in the last letter.

*Court date set for 20th Aug*:eek:

*Lloyds TSB defence filed 14th May 2007*:mad:

*LBA sent 2nd April 2007*:cool:

*Prelim sent 5th March 2007*:D

*SARS sent 26th January 2007*:rolleyes:

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was the mcol thing hard to do? I might have a look around the website so i know i have everything covered before the 14 days are up.

 

Good luck with your case mate! If they dont reply then you win automatic right? *fingers crossed*

*Court date set for 20th Aug*:eek:

*Lloyds TSB defence filed 14th May 2007*:mad:

*LBA sent 2nd April 2007*:cool:

*Prelim sent 5th March 2007*:D

*SARS sent 26th January 2007*:rolleyes:

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hi Kevin

 

mcol was easy took about 10 minutes total.Only fiddly bit was getting within the charchter length

 

I cut and paste from this site the claim ,altering it for my account no etc

 

hopefully with easter coming they will overlook this and as u say automatic judgement

 

cheers

 

8)

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Hi, Why are you only claiming 4 and half years. You know you can claim 6?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi

 

You do not have to submit your evidence (copy statements etc) until such time as you are preparing your bundle in advance of a hearing. At this stage you need only provide the schedule of charges.

 

John

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