Are you claiming a modest amount and have you been defaulted

[BankFodder]

I' like to get into a pm discussion with anyone who is claiming up to, say £2000 and who has been defaulted because of the non-payment of money which was comprised of bank charges.

 

Must like a thrill. :twisted:

[Azazal23]

HI Im looking into mine now, was with TSB around 6 years ago they defaulted for 2500 worth of charges. Was when i was still in college and they gave me a select account think i was paying them £3 per month for the privelidge. Thing was i was only on 30 quid a week, so it started when i didnt have enough in the bank to cover the 3 payment and they charged me £30 for it, and it all snowballed form there.

 

Also whats the score with this 6 years, can you not claim after that time, and how would i go about getting my account number off them. As it has been that long

[diddled]

Azazal, were you under 18, and therefore a minor when the bank gave you the select account?

[Azazal23]

Hi was just over 18, to be honest didnt know about credit/debit cards then. didnt even have an overdraft - was just gettin paid 30 per week yts money. they defaulted my account for £4700, and i have a ccj. 99% of that are charges. Just looking into it all now, but my 6 years are up next month. i really feel like ive been screwed royally

[Azazal23]

I put £2500 charges earlier but ive just got a credit report and its registerd £4700 god only knows where they got that from really looking forward to gettin this DPA info

[Mgizmogpc]

What exactly do we mean by the term "Defaulting" and what does it cover? I wouldn't be at all suprised to learn that I fall into this category and I do love a good old "Jolly Boys Outing" through the Court. More Detail Please...

[Guest Alison82]

I have just received one from Halifax, don't know the amount yet I guess around £2,000 - £3,000. They defaulted me even though I refered to the Banking code section 13.6 which they totally ignored.

[Janeyb]

After 40 days exactly we received our DPA info and have calculated the last 6 years over 2 accounts one account adds up to £4035 my husbands sole account £3476. Acording to our statements and copy letter we had from the bank before requesting the amounts it was only adding up to half these amounts So our bak have given us more info than we were aware of. We today emailed and sent in the post our request for repayment of charges totaling £7511. Lets hope the bank manager has a good stock of valium when he sees our request. Meanwhile we're keeping our fingers crossed it goes through smoothly however we do have a new bank account and family solicitor on standby should the need arise!!!

 

Is anybody else requesting a large amount like this????

[jonni2bad]

BankFodder......Does it have to be with LLoyds?

 

Halifax defaulted us for £715.86 in November 2003.

 

Having just received our statements under the DPA request, the total charges to that specific date amounts to £2,024.00

 

We've never incurred a charge since that date, largely due to the fact that we switched to a HSBC basic account - no overdraft facility, and NO charges for failed DD's etc.

 

In case it matters, we have just issued our Prelim.

[sazz]

I've just had my account with HBOS which is 322.00 overdrawn on a 100.00 overdraft referred to Blair Oliver & Scott Solicitors. I'm expecting the default notice through any day now...

 

Incidentally, the charges take up almost all of the balance & I acutally 'owe' them just under 28.00...

[crusty git]

I was defaulted by Lloyds TSB for £300 (all charges) I am just in the process of sending the DPA letter and I expect that I shall be claiming around £6-700.

does this help?

[meagain]

If it helps, I will probably be claiming for something in the region of £300, and received two formal notices from LTSB. Currently waiting on credit report to confirm the default.

[leomnrose]

Hi I would like to know why I am being charged for returned direct debts when the money was in my basic account on the same day as the DD's were taken out, this happened on the May bank holiday week-end. Can I stop Llyodstsb from taking the charges out of my account. The DD's where returned very early in the morning, surely if you get your money in before close of business you have not gone overdrawn.

[jonni2bad]

Hi, please start a new thread as your details are not relevant to this topic. Thanks.

[jvmhasler]

HELLO

 

After spending some time on this site i decided to write a short but to the point letter to Lloyds and witin 6 days they got back to me basically saying "NO". I am only trying to get back £120 back in returned DD, i know it's not thousands, bujt i'm a single mum now and that amount is alot. WHAT AM I SUPPOSED TO DO NOW. PLEASE HELP;

[petethemanc]

I have (should have been had) an account with Lloyds, and thought i had closed the account down. I was serving in iraq and had arranged to change banks. I wished i had had the foresight to keep a copy of the letter, but i was foolish and did not. Recently i recieved a letter from Lloyds stating i owed them £4479.06. I havent seen a bank statement since i asked for the account to be closed nor have i recieved a bank card/cheque book in that time neither. Obviously i will be getting a crime reference number and am disputing the charges/amount as i simply have not used the account. My query is will i have a default because of this and will it show up on my credit report?

[jadest]

LloydsTSB have charged me £4000 over the last 6 years. I asked for refund as a good will jesture and they refused saying the the terms and conditions of my contract with them allowed them to charge me for me not staying in credit with them... It looks like I will not be getting any of my money back

[reload]

Why so negative jadest? As mentioned in your 'Welcome to the forum' thread, the money really is yours for the taking. You mention you can't afford to risk the court costs - but think of the payoff if you do!

 

And I have to say - I honestly do not believe there is much of a risk in any case. Lloyds have not brought one single case to the Judge, and have settled in full including court costs before people have had to enter the court. You're really, really missing out if you don't follow this through.

[yobtaf]

claiming 2000 pound about

 

no defult yet

 

setting up new account monday

[Milly Weeble]

I' like to get into a pm discussion with anyone who is claiming up to, say £2000 and who has been defaulted because of the non-payment of money which was comprised of bank charges.

 

Must like a thrill. :twisted:

 

Hi, I've just found your post (above) and as I haven't received a response to my post (see below). Just wondered if you're still looking for people who want to claim 'modest' amounts? Please accept my sincere apologies if you're no longer looking and I've bothered you...

 

Hello All

 

I've been having problems with RBOS since 2001, read your site and acted on impulse (or out of sheer desperation ). Now I can't sleep as I think I've done everything wrong . Please someone read this as I am worn down by being bombarded by letters and nasty telephone calls 5 years later . I sent the following letter:

 

---------------------------------------------------------------------

Dear Sirs

 

Re: Account Number: XXXX, Sort Code: XXXX.

 

Due to recent media coverage on bank charges I am now aware that you, The Royal Bank of Scotland have been charging me, charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation.

 

I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition, I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79. along with Murray v. Leisure play [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

 

Your charges appear to be nothing more than a profit-making scheme. Therefore, I require you to refund my entire bank at a total of £705.16, representing the total, unlawful during the last 6 years. I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs.

 

Yours sincerely

 

-----------------------------------------------------------------------

 

After closer inspection it is not £705.16 that they have charged me within the 6 year limit. They charged me £610.00 (charges, without interest charges), or £735.28 (charges, including interest charges). Although these amounts may not seem a lot to some people, it's over a months pay for me.

 

Which one do I claim, with or without interest charges included? Or is it too late? My account was overdrawn and the charges just made matters worse and therefore snowballed (they charged me £1,500.00 over 23 months, which pushed me deeper into an overdraft). They have said that they will contact me in 5 working days regarding the above letter.

 

The whole situation with them is very confusing, but here goes...

 

1. RBOS were taking most of my wage in charges so I had it paid into another bank. I then began paying the overdraft off with RBOS from January 2001 for 2 years via standing order, everything was fine.

 

2. Suddenly, RBOS got a debt recovery agency to start collecting the money in January 2003. The debt recovery agency did not record payments properly and therefore (according to RBOS) they (the debt recovery agency, not RBOS) put a default on my credit report, which now ends 23/05/09.

 

3. RBOS again changed the company who collects the money a further 3 times.

 

4. Even though I have been paying the overdraft off each month for fear of getting a CCJ, the balance in Sept 2003 was £1,346.36, RBOS say the current balance is £1,318.36. This simply cannot be the case, over 3 years I cannot have only paid £28.00 off?!

 

5. The current debt recovery agency keep contacting me to pay the 'debt' off at a reduced rate, in fact a day after sending the above letter they sent me a letter asking again! I have refused as I am on a very low income and cannot afford to pay it off, even at the reduced rate.

 

6. Over five years later I can still only get a basic bank account and have a default on my credit report purely due to the situation with RBOS - a CCJ now appears the better option!

 

With sending the above letter I feel I have totally messed things up, I just want them off my back once and for all (possibly even get some of my money back). It's really getting me down after 5 years of fighting a losing battle with them...have I totally messed up?

 

Best wishes

 

Milly

[candice1986]

am i still able to claim even if an account is in default ?

[candice1986]

This is absoluteley correct , i used to work for lloyds tsb if the funds Are in your account the same day then they should have taken this out

[confusedcandice]

On one of my lloyds bank accounts i was 17 when i opened it ....... they gave me a 400.00 overdraft when i turned 18 ....... then the bank took it away at 100.00 per month it is now with debt reover i was only 100 overdraft they added

80.00 worth of charges ............. just wonderingthat because i was a minor when i signed the contract do the terms and conditions apply ??????

[Thirdworlddebt]

Greeting Again!

One question,

Can you request compensation if an establishment who has put a default notice against you?

According to a what I have read so far, if I have not giving anyone permission to advertise my personal information to a third party, then that person/establishment has broken the data protection act.

[JuanMuino]

Good fortune to all on this listing, I am about to start reclaiming about £3000 to £5000-from LLoyds and really feel inspired by some of the posts.