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(.....Not really a new member as such, joined ages ago, been reading thru the forums and collecting some very interesting facts, not just about bank charges either, WHAT A BRILLIANT FORUM, there are some very clued up People in here.... RosieCotton, Calvi36, (just to name a couple) who's wisdom and insight would give King Solomon a run for his sheckles!!:)....)

 

...Anyway I need a little bit of advice at the moment, I'm currently in the proccess of claiming my charges back from First Direct (FD), I sent of the SAR, received my statements and Martini Notes (so many shortened words on it, it looks like thier vowel keys on the keyboard dont work :confused:)

I've also DL'd the 'Preliminary approach' letter and the simple charges calculator, Do I add the 'Interest at 8%' to the total or not?.:confused:

 

ALSO

 

FD have suspended my account as of January, long story short - took out loan in 2005, left job due to Ill health Feb 2006, got behind in some payments so came to an agreement with FD to add FD credit card bill with Loan and Account overdraft and to pay a certain amount per month. this is not a problem, but the fact that they are still adding OD charges per month is!!:mad:. Can I get them to stop charging me? ... what really irks me is the fact that Ive been a customer of thiers for 10 yrs, never once over drawn etc, get into a little strife and the 'faceless entities' chase you down like I shot the President or something!. .. and the fact....blah blah blah,... everyones heard it all before...

 

thanks in advance

First Direct - Looking to claim back £3,759.11,

...THERE ARE 10 TYPES OF PEOPLE IN THE WORLD.... THOSE THAT UNDERSTAND BINARY AND THOSE THAT DONT...

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Guest Niklowe

HI B1

 

You can't claim SI until you file with the court.

 

You can amend your claim at any time uptill the hearing of the case. However after the claim has been filed with the court, any amendment will cost you £35, non - refundable.

 

You are not at that stage yet, so I would send them another letter informing them that should stop addding charges. Enclose a new up to date spreadsheet with the additional charges added on.

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Hi B1nary,

 

Whats that line "there are only 10 types of people that understand binary, those that do and those that dont" it think.

 

On the 8% interest question, if you are talking about the section 69 interest this can only be applied when you file the claim at court.

 

At prelim and LBA stage the interest that can be claimed is that which was levied on the charges you incurrred. Needless to say the maths on this is a headache and many (myself included) don't bother, both for simplicity and also the numbers may not be that large ;).

 

Sorry I can't offer any advice on the loan siuation but i am sure there will be someone along shortly that can help out.

 

'faceless entities' chase you down like I shot the President or something!.

Best not wait by the grassy knoll though!!!

 

Very best of luck

 

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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Hi Nik & BB

thanks for the reply... that cleared that up for me, cheers :)..

bb, the "there are only 10 types of people that understand binary, those that do and those that dont" quote, was part of my signature! but it seems to have vanished.. relating to binary Numbers 10 = 2.. (I do network installations).. anyone know why my signature has gone awol?.... can I claim it back from the bank!! :rolleyes:

First Direct - Looking to claim back £3,759.11,

...THERE ARE 10 TYPES OF PEOPLE IN THE WORLD.... THOSE THAT UNDERSTAND BINARY AND THOSE THAT DONT...

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Lol B1nary,

 

I believe for server and load purposes the signatures only come onto posts when they exceed a certain leangth.

 

Would have thought it would have worked foryour first post though, lol.

 

I don't think you will need to file a claim to get it back

 

Cheers BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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I wish i'd found this site a month ago!! I've submitted a claim to Lloyds TSB to reclaim charges but i simply added up all the overdraft interest, returned d/d items and overdraft excess fees from the statements i received! Having read the information on this site i realise that isn't what i should have done as some of the interest is as a result of spending and not charges alone. I submitted my second stage letter last week but haven't received any response from Lloyds yet. Is there anything i can do please as i've messed this process up completely. Have i jeopardised my chances of a refund altogether? I'd really appreciate some advice....

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Hey Jaffacup,

 

Welcome aboard,

 

Don't panic if you are still issuing letters to your bank we should be able to recover the situation, you might have to send a further leter to correct the amounts you are claiming and make sure everything is correct before the court stage.

 

First thing to do is start a thread of your own in Lloyds Forum callit Jaffacup V Lloyds, follow this link:

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11

 

and detail what you have done to date.

 

You will probably have to send another letter before action LBA but that should set the record straight.

 

Hope it helps

 

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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