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Hello everyone,

 

I have joined this forum as I am sick and tired of being [edit] off. I am terrible at managing money but I am making a concerted effort at trying to sort my finances out. I have sent off for my bank statements to LLoyds TSB and received details of my charges for the last 6 years. Can anyone please help me! Which charges am I supposed to claim? Can I claim all the account charges? I.E. Account Charge 7.00DR or is it just the O/DRAFT EXCESS FEE 30.00DR? What about O/DRAFT INTEREST 9.12DR? I am not entirely sure what I am doing and feel rather dim! Not very good with money!!! Thank you for any advice you can give.

 

Wiggyash

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Hi wiggyash, you need to start your own thread in the Lloyds TSB section so then people can help you. As for the inetrest you have to be careful as you can only claim the interest on the charges. Read through the newcomers guide and also as many threads in the LLyods TSB section as you can.

 

Good luck

 

JW

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Hello everyone,

 

I have joined this forum as I am sick and tired of being [edit] off. I am terrible at managing money but I am making a concerted effort at trying to sort my finances out. I have sent off for my bank statements to LLoyds TSB and received details of my charges for the last 6 years. Can anyone please help me! Which charges am I supposed to claim? Can I claim all the account charges? I.E. Account Charge 7.00DR or is it just the O/DRAFT EXCESS FEE 30.00DR? What about O/DRAFT INTEREST 9.12DR? I am not entirely sure what I am doing and feel rather dim! Not very good with money!!! Thank you for any advice you can give.

 

Wiggyash

 

 

Ok this link will explain what you can reclaim.

You can not reclaim the overdraft interest that is not a direct result of a charge.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=6

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

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

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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