Is the bank playing with me now.

[eve_8]

Hi as you can see im not happy with my bank charges, i am outraged by this. Lloyds TSB charged me £595 in 32 days on a normal account, im not a business or anything like that. I am finding it a little difficult to find my way around the site, where do I find sample letters and spreadsheets to send to the bank.

Any advice would be most welcoming. Cheers:-)

[Guest Niklowe]

Hi

 

If you look in the FAQ's you will find everything need. Also I would advise you took take some time browzing through the threads for your bank in order to see how the claim works. Take your time and don't rush.

 

Good luck, but you won't need it!

[Michael Browne]

Welcome.

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You should print these out to refer to later so as to avoid having to ask basic questions.

 

Then look at other threads in your bank's forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything.

 

There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank's forum and post your progress and any questions there and you'll get plenty of help

 

Lots of info and links here:

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/20211-newcomer-then-please-feel.html

 

Good luck

 

Finally please heed the words of warning here and make sure it doesn't happen to you:

http://www.consumeractiongroup.co.uk/forum/abbey-bank/announcement-center-bankfodder-very-sick.html

[eve_8]

Hi

 

I have receieved a letter from the bank asking to give them 4 weeks, now i have received another letter asking for another 4 weeks. Are they just playing games now, Ive looked in the q&a section but cannot find out whether I should send an LBA now, can you irect me in the right direct. PLEASE.

[Guest NATTIE]

Letter before Action should be sent on your timescale, i would also start a thread in the Lloyds TSB forum as well, where experts on them can assist you, ok?

[eve_8]

Thanks for your reply, i will get on with that, i am having problems trying to set up a thread, dont know what im doin wrong?

[eve_8]

Hi,

have sent the initial letter with the spreadsheet requesting the over paid charges back. I got a quick response asking me to give them 4 weeks, that has now passed and I got another letter asking for another 4 weeks, can anyone please advise? im feeling rather dumb as it has took me this long to find my way to here.

[Janet-M]

Hi eve and welcome ..

if you read this thread it will show you how to start a thread

[Valdez is Coming]

EVE...hi and wlecome - its all very confusing when you start, as l know.

 

First you need to read the FAQ section to get the timescale clear in yr mind.

 

Then look in the TEMPLATES section, where you will find all letter you need to send.

 

You should stick to YOUR SCHEDULE, backed up by legal limits on times for response, and not be deterred by delaying/deflating tactics from banks and credit card companies - they always try this.

 

Very important - communicate ONLY in writing and send everything RECORDED DELIVERY.

 

You will find tremendous support on this forum if you are confused or stuck or just need to discuss something! Follow the clearly-established guidelines, keep going and YOU WILL WIN!

 

Best of luck and kind regards........Valdez

[Janet-M]

2 threads merged so some of the above posts may not appear in the right order

[eve_8]

thanks for your link much appreciated, hopefully i should start moving forward now.

[eve_8]

Thanks for your advice and your words of encouragement, I will soldier on!

[hands2bfree]

i totally agree with the above, sort a new thread.

 

sort out your charges and then do a LBA. you have waited long enough, remember to work to your own time table of what you stipulated in your letters rather than what the banks give you, after all the banks work for you.

 

all the best and remeber were all here to help

 

Lou