Jump to content


s1gar v LloydsTSB ** WON **


s1gar
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6145 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

dear all

i am a new member and in the process of claiming back my back charges. i have all my statements and worked out i have £815 in bank charges. i have used the template from this site and i am ready today to send my prelim asking for my money back letter. i think i have made a mistake. do i ask for the interest on the money they have stolen off me now or does this come at a later stage? i have filled out the spreadsheet for calculating interest and this comes to £221 a total of £1036. i think i have mistaken overdraft interest i have been charged including my bank charges with the interest on my charges to date (if that makes sense). below is an extract from the letter (i have slightly modified it). is this ok. ps i have not sent it yet and have no intentions of sending until i get some feedback.

 

What I require

I calculate that you have taken £815.00 plus £221.59 interest (to date) for the sum which you have taken. Total £1036.59.

I enclose a schedule of the charges which I am claiming with this letter

 

now this is what it origianally said

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

thanx in advance for any help and like i say i could do with getting this sent today. the question i am asking is if what i am doing is wrong!!!!

 

cheers all without this site i would not even think of doing this.

 

 

Link to post
Share on other sites

  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

its ok all. its me not reading things properly. i will continue to post timescales and whats happening on here.

had a ding dong with the bank this morning over charges for my select/platinum account. charged me 4 times in one month for the account in the back end of 2005. again i would not have noticed it if i was not going through this process. £22 up already. cheers all

Link to post
Share on other sites

I asked for my 6 year charge statements while i was on the phone to telephone banking. this was 3 weeks ago and they have arrived but i have not been charged the £10 yet :D . The downside is if they had not come i would have no proof i asked for them and would then have to write for them. just thought it was worth saying it may save some time. :|

Link to post
Share on other sites

this is just a suggestion that was a little easier. the SAR is only asking for information and like you say probably would be better if they dragged their heels over giving it to me. but this has saved me some time i believe with a low risk gamble if you like. it is important to continue the rest of your claim with documented information for proof of dates ect... but basically the telephone banking is a suggestion. it saved me time and bother and its not that important to my case, i believe, that it was not in writing or recorded as it came well within the 40 day limit.

Link to post
Share on other sites

  • 4 weeks later...

hello all back again

 

right i sent my prelim letter got the standard reply back so waited the 14 days and send my LBA letter also got the standard letter back back saying they think the charges are fair etc etc..... today i have applied to moneyclaim online and sorted out my claim details. i am after a little help. how long do i now have to wait? is it 14 days again or 28? i found this information confussing on the step by step guide. also i notice people have had a lot of "good will gestures" of £750 have been paid out. i have had nothing like this. is this common? i am only claiming £850 though.

 

cheers in advance for the help.

 

simon

Link to post
Share on other sites

Hi Simon

Lloyds have 14 days from the date the claim was served (it is served 5 days after you filed it) to acknowledge the claim, and then 28 days from the date it was served to enter a defence. You will then receive a copy of their defence and you may receive an Allocation Questionnaire to fill in. These links will help you with that if you do receive one:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

And have a look at this link to help you with the MCOL:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Not everyone get the "Goodwill" payments, so nothing to worry about.

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

ha haaa, although i shouldt be laughing. i have just noticed i used a template for my paticulars of my claim but, by accident, left in the "[enter interest total at date of claim]"!!!! will this matter?? i have put in the figure of the interest but just left that piece of text in. lol whats worse is i checked it about 20 times before i sent it. i did it using mcol i dont suppose i can ammend it can i?

Link to post
Share on other sites

OOOOPS ...... not alot you can do now.....:lol:

I shouldnt worry too much about it

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

Link to post
Share on other sites

As long as you put the actual figure of interest in then i shouldnt worry.

 

By all means ring the court if it makes you feel better, but it costs £35 to amend a claim.

 

Dont worry, we all learn by our mistakes.....you wont do it again...

:lol:

 

At least yours is only a little error. I forgot to put the interest in altogether (good job it was only £35 as my claim was quite small).

 

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

Link to post
Share on other sites

  • 2 weeks later...

the 14 day's is looming (monday to be exact) i got a letter from the courts saying use the 30th of april as the date the papers were served (issued on the 25th). now my mcol has not updated yet but i presume it will say if the claim has been acknowledged? and if that happens they have another 14 days (28 days from the date the papers were served) to submit a defence. is the end in sight i wonder as my original claim is only for £850 and i am really not looking forward to completing the Allocation Questionnaire. it looks confusing (i dont think i am stupid, i am a aerospace designer (who wont fly), worried? you should be :eek: ) lol. anyway how much longer can this go on for now?

Link to post
Share on other sites

Hi

It will come up on MCOL when the claim has been acknowledged and when they have entered a defence.

You may not now get an AQ to fill in, have a read of this:

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html?highlight=dispensed+AQ

 

You can expect a settlement anytime between now and a day before your Court date.

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

Hi

I would give them another couple of days, then let us know if they still haven't acknowledged. What address did you use for Lloyds on the claim by the way?

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

  • 3 weeks later...

hello all again!

right 2 weeks ago on mcol it said in the claim box "defence" now i am presuming that ltsb have submitted a defence with regards to my claim. now i think i get a aq to fill in at this point but when am i likely to receive this as i have had nothing back yet! my papers were served on the 30/4/07 and how much longer is this likely to go on for? no wonder the banks do this because some people i imagine would give up along the way as it sure is long winded. i am a trooper though :-/

Link to post
Share on other sites

Hi

You usually get a couple of weeks to fill in your AQ, that's if you get one.

If you still haven't received anything in the post, maybe give MCOL a ring.

It could be months yet before you get your money, but hopefully it won't be as long as that.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...