Are you claiming a modest amount and have you been defaulted

[annalu]

hi have just found the site and am trying to claim back unfair charges from llyods tsb from 2001 onwards. i have a default on my file the balance has gone up to 4000 now of which the majority are charges also trying to get back credit card charges from same bank which has doubled!!!! the bank would not let m e close the acct at the time in 2001 cause it was over drawn by 110 quid they then kept it open and charged me!!! very nice of them. i am at the stage of sending the dpa letter

[The old chap]

Good evening annala. Certainly I have not yet been defaulted by Lloyds yet. I started by asking for just under £1500. They paid £750 into my account 'final settlement'. I took the money 'on account' and this last week county courted them for the balance. I did have a joint acccount with my wife and I/We have killed that one as they took money from it when I went overdrawn on my personal account. It seem they can do this if your name is on any other account. When I complained they sent me 12 pages of conditions./ Only one para mentioned this.

[annalu]

hiya old chap thanks for your reply.glad the courts did the right thing finally!!

well i have sent the dpa requesting my statements for my current account, credit card and after reading more on the site my personnal loan also!! i think my current account could have charges in excess of a £840 so will have to wait and see what they send me back.

got a question tho, having read more replys it looks like llyods are a bit slow in sending back the statements and may just send me a letter back is this right and if they do this do i send them another request for my statements

 

cheers anna

[cyberdelia88]

Hi,

 

I dont really understand what you mean by defaulted, but I am only claiming for about £350 and I got no response from the 2nd and 3rd letters that I sent then I got a letter saying that I would have £100 put into my classic account and £60 into my graduate account. Does this mean that I have been defaulted?

I really want the whole amount back, by letting them put this into my account am I saying that I accept? I was never given the opportunity to reject the offer, the money was in the accounts the day after I received the letter! Help!

 

Thank you

[The old chap]

I'v enot been defaulted as I know it. I have had money put into me account but in my court action I had gone for the original ammount less the ammount Lloyds so kindly gave.

[cyberdelia88]

Hi, Just wondering, in your court action, did you win? I have just realised that by adding the interest I will be claiming a lot more than my original letter stated, I hope that by adding the interest I will not be penalised?

[Witsend]

I hope this may still be appropriate to the original posting by BANKFODDER - way back in Jan 2006, but I was defaulted by LTSB for £404.98 back in April 2004.

 

It has seriously effected my credit rating, but as it is completely made up of charges when I was really “against the wall” a few years ago, I just can’t bare the thought of letting them [edit] take money off me me once again.

 

Anyway, did anything come of the original posting that may be appropriate. I’ve read through it and nothing seemed to jump out.

 

Regards

 

Witsend

[nicolefrenzy]

we are claiming back £6658 including interest this is with Lloyds tsb some monthe the charges were £400 per month crazy

[crh]

hi

 

claiming back 2k in charges i have been defaulted on

[BankFodder]

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