dj cano vs lloyds tsb

[dj cano]

Hi Everyone I Would Just Like To Start By Saying Well Done To Every One Who Has Claimed Back Unfair Bank Charges, But Now I Need Some Help

 

So Far I Have Wrote 3 Letters 2 The Bank. Letter 1 Stated That I Was Owed £1100 For The Past 4 Years But I Was Only Able To Go Back 4 Years With Online Statements. So I Asked Lloyds To Go Back Six Years And Tell Me What The Total Amount Of Charges Would Be. There Response Was That They Wernt Going To Do Anything As They Thought That The Charges Were Fair.

 

Letter 2 Was Just A Quick Note To Say That Since Letter 1 I Had Been Charged A Further 100 Pounds And That I Would Like This Refunded Along With Any Other Charges. To This I Got No Reply.

 

Letter 3 Was A Letter I Got On This Forum Stating That I Would Like A Full List Of Charges That I Have Incured In The Past Six Years, That They Can Only Charge Me A Max Of £10 And That They Have 40 Days In Which To Reply. This Was Sent On 22/02/07.

 

I Have Now Recieved A Letter From The Bank Offering Me £750 And That It Will Go Into My Bank Within The Next 3 Days, Obviosly I Am Only Going To Accept This As Part Payment And Continue With My Claim. But I Have Still Not Recieved A Breakdown Of My Bank Charges So I Only Know Wat I Am Owed From The Last 4 Years. I Am Going To Need To Know Wat The Amount Is For Me To Proceed To Court.

 

 

Please Could Somebody Help

Thankyou

[BARTY]

Hi

Firstly give them a ring to chase up your statements that you are waiting for on 0117 943 3133.

Then you need to send a letter rejecting the goodwill gesture:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Once you have got your statements and added it all up, you should send them the Preliminary letter:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Also have a read of the following links to help you with the process:

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

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Good luck, let us know how you get on.

Barty:)

[dj cano]

Hi i have finally recieved a breakdown of my charges from lloyds.

It states in the letter please find enclosed details of charges going back to the date you opened your account.

Included in these charges is O/DRAFT INTEREST im just wondering am i allowed to claim back these charges aswell.

 

Also i am thinking about writing them a letter saying that if they are prepared to pay me all my charges they dont run the risk of paying out interest that i will add at 8% and court costs that they will endevour if it goes so far. Is this a good idea or not?

[BARTY]

Hi

You can claim back parts of the o/d interest but not all, you would have to calculate which parts you can claim for on one of the spreadsheets. In my case the amount was not worth claiming.

To be honest I wouldn't bother writing to them with that letter, I don't think they would take any notice.

Barty:)

[dj cano]

How do i know which parts to claim my o/draft interest comes to about £500 would it be worth it. where would i find a spread sheet ? I already have a spread sheet to calculate adding interest to my charges.

[BARTY]

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

 

It should tell you on that link about o/d interest.

Barty:)

[dj cano]

Hi i was wondering if any1 could help me its been a while now since i last used this web site and alot of things to do with reclaiming bank charges i have forgotten. also i am hearing alot about test cases going to court is it now easier or harder now to make a claim?

 

The last stage i got to with the banks was that they offered me £750 which went straight into my account which i replied with a letter saying that i was going to claim everything that i was owed and that they could take this out of my account. This was in march 2007. Since then ive gained alot more charges but i am not sure where to restart as i got a bit lazy and never persued my previous claim. here is the last letter i sent

 

 

Response to settlement offer.

 

Dear Sir/Madam

 

Thank you for your letter dated 9/03/07

I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totaling £1206

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

If you are willing to accept my conditions I am prepared to wave a % of £481.38 which I have paid in overdraft interest and that i am entitled to, on the basis that these wouldn't have existed if you hadn't charged me excessive fees. You would also not have to pay any additional court costs that I would incur and also an extra 8% interest that I will apply to my overall charges.

I would be quite happy to settle on these terms and not go through with a County Court Claim. In respect of all this I feel that this would be a victory on your behalf, as I have the full backing of the Consumer Actions Group.

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer and the money transferred to my account should not be viewed as my acceptance. I hereby authorize you to remove this sum accordingly.

 

I trust this clarifies my position and look forward to hearing from you soon

 

 

Yours faithfully