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    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
    • @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.
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Lloyds TSB gave me a loan to pay off my bank charges


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Hi, I'm new to this site and sent my DPA to Lloyds on March 1st - do they have 40working days or just 40 days??

 

More importantly, I wanted to know what you guys think. Last year Lloyds were going to take about £550 out of my account for charges, I called them and after a very stressful convesation about the fact that I could not afford that sort of money in one go they offered me a loan to pay the charges. I took it - it seemed the only option as I didn't want to miss any direct debits etc.... Do I just claim as normal - I think this is irresponsible lending - what do you think

 

P.S I am so petrified about this process, all your help would be great

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Hi Debts,

I think its very irresponcible lending but then thats lloyds for you, yes I would claim as normal wait till you have the SAR info see what chargers have been taken then take it from there with the second letter requesting them back have you requested a loan statement in your SAR if not I would ask them for one as you may need it at some point.

 

Good look

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Guest Niklowe

Hi debts, and welcome to the CAG

 

If your current account had penalty charges on it then you are entitled to claim them back. I do think that it was a dirty trick to make you take out a loan to cover them.

 

Anyway to cut a long story short, they were penalty charges, which are unlawfull.

 

Therefore have a good look at the FAq's and when you are ready start a new thread in the lloyds section so that you will get good advice from those more advanced than you

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

 

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

 

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

 

Good luck but you won't need it

 

 

If you found it helpful please click my scales (on the left).

Any advice offered is my own opinion and if you are unsure always seek further advice.

__________________

Nik

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Hi ths happen to me.I went in to see if we could sort someway of stopping the charges.They said there is nothing they can do,So he asked me to take a loan out. this is the only way out.I have a other two yrs on that loan At the time it was my only option.Second time i asked to see somone.Ayoung girl came out to have a talk with me. i broke down in tears I almost begged her to stop the charges,She said i will have a word with my manager,She came back.Said theres nothing we can do.Then again tried to give me a loan.But i said no.I had to borrow £700 from my mother whom lives on her own.I felt so awfull asking my mother.It made me ill and stressed out all this troble.So now i owe my mother seven hundred,And i am paying a loan off still 2 yrs left.

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Guest Niklowe

To both of you, claim back the penalty charges and you'll be able to pay your loans off

 

Good Luck

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Hi Debts,

You know the same thing has happend to me and many many other so you are not on your own, try not to worry as every last penny they took of you you will get back.

read My thread Pen-v-Lloyds TSB, my case is very complicated but I will get my chargers back and so will you.

 

Maggie: I am so glad you didn't take out the refinance loan if you had have done you still have had 5 yrs

 

Pen

 

If my advice has been helpful please click on my scales thank you

  • Haha 1

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Lots of people in the same boat.

Come and have a look at this thread to learn about what can be done.

 

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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