Badgerman V Lloyds

[Badgerman]

Hi all. Just starting my journey to reclaim my money from Lloyds TSB on 2 closed accounts.

 

I have statements for both accounts going back 6 years & have calculated charges totaling £1300 . I've downloaded the preliminary letter & the excel spreadsheet outling each charge but I want to make sure I get this absolutely correct. There are 2 columns within the summary of charges spreadsheet. The first is "date incurred" the second is "days since offence".

 

Now the date the charge was actually incurred I.E taken from my account is obviously different to the date when the actual offence was commited. E.G direct debit returned 12th Aug 2002 with the £30 charge for this offence not taken until 1st Oct 2002. When filling in the spreadsheet do I put the date incurred as 12th Aug or 1st Oct? Similarly in the column for days since offence do I put the 12th Aug or 1st Oct?

 

Hope you can help......I hate Lloyds with a passion for all the worry & concern they caused me in the past (1 charge is for £210 for returned DD's totaling £22:evil: ) & I finally feel that I am able to do something about it.

[BARTY]

Hi & Welcome!

If the charge came out of your bank on the 1st October, I would put that date.

Good luck, let us know how you get on.

Barty:)

 

 

 

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

If I have helped, please click my scales:)

[nicsussex]

The date is the date that the charge came out of your account and the second column is the number of days since that amount was charged to the date of your claim

[Badgerman]

Thanks All. Will let yo know how I get on:)

[Badgerman]

Hi All,

 

So I've sent my preliminary along with my charges spreadsheet & received back the following:

 

thankyou for getting in touch with us. iam sorry your unhappy about your account charges

 

like any business, we do make a charge for some of our extraservices. when customers dont have enough in their accounts to cover a payement, this always means extra work-and it has to happen very wuickly. we have to agree to make payement by setting up or increasing an overdraft,or rell cuctomers we cant agree it. we feel it's fair to charge for this service.

 

of course it's only fair to that we are completely open about any charged for services before you might need them. thats we take care to give every new customer the latest guide yo our charges.you can also get up-to-date detailsabout fees and borrowing rates at all our branches, through our helpine and on our website.

 

just as importantly, we do everthing we can to help our customers avoid these charges.you can gat an up-to-date ballance at any of our cash machines, over the phone on line and by weekly text to your mobile.

 

if you know a payementis going to take you over your agreed limit you're welcome to see if there is anything we can do

 

the office of fair trading has published new guide lines on credit card default charges. we're still talking it through with them, but the important point is that the guildlines are about 'default' charges that people pay when they break an agreement with us. this doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. they are not default charges because you have not briken your agreement. they are our prices for the service we provide in these situations.

 

i understand that you may also have concerns about us sharing infomation about your relationship with us with the credit reference agencies bla bla bla bla

 

i do hope you can see that we make our charging system as fair as possible- and why i cant agree to cancel your charges

 

i hope this fully answers the points you raised with us. please let me know if there is anything else i can do to help. if we cannot some to an agreement. i will provide you with details of the financial ombundsman service so they can consider your complaint independently.

 

if you are happy with the way i have dealy with your complaint there is no need for you to reply to my letter. if i have not heard from you by 26 june 2007 i will close my file, though of course i will re-open it should you came back at any point afterwards

 

yours ****** ********

 

From reading through others people threads this seems to be a standard response. My question is should I just proceed with the standard LBA or should I be looking at something else?

[BARTY]

Hi

Give them 14 days from when you sent the Prlim then send the LBA.

Barty:)

[Badgerman]

No response from Lloyds to my LBA although I know they've received it as I sent it recorded. Is it time for the legal stuff?

[BARTY]

Hi

Yes Court claim time!

Have a read of these links to help you with your claim:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html POINT 6

 

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

 

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

 

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

 

Barty:)

[Badgerman]

Hi All,

 

Something interesting has happened but before I explain let me re-cap for you.

 

Between my wife & I we held 3 accounts with Lloyds, 1 joint account & each of us had seperate sole accounts. I've started action to claim back £1055 on just one of these accounts namely our joint account with a view to going down the same route with our sole accounts depending on the outcome of this first claim.

 

Yesterday my wife & I received 3 letters from Lloyds. One addressed to me, one to my wife & the other to us both. Each letter was offering us different sums as full & final settlement totalling £1282.50 - £227.50 more than the £1055 that I'm claiming. On the face of it this seems very generous of Lloyds offering us £227.50 extra presumably as compensation for the worry they caused us:rolleyes:

 

If we accept these offers in relation to our claim against our joint account will this mean that we cannot then start seperate claims for our sole accounts:confused:

[BARTY]

Hi

As long as you don't sign anything saying that you can't claim again. How come they sent 3 separate letters? You were just claiming on your joint account not the sole accounts??

 

Barty:)

[Badgerman]

I don't know why they've sent 3 letters....strange isn't it:confused:

 

I've not mentioned either of our sole accounts in our correspondence with Lloyds & neither have they in their letters back. I think I'll just accept what they've offered in relation to the joint account & start proceedings on our sole accounts once the freeze is over.

[BARTY]

Congratulations on your win! :D

The advice on here is to carry on as normal for now, so I would start your other claims asap.

Barty:)

[Badgerman]

Hi, it's been some time since I was last here but the advice given enabled me to get over £1200 back from Lloyds & thanks to all for your assistance & advise.

 

What is the situation regarding the outcome of the OFT case? As suggested by Barty I got my next claim in on my sole account PDQ & received Lloyds response back to my preliminary stating along the lines that they'd received my complaint but were waiting for an outcome to this test case.....what's the advise? Should I simply be waiting for a further response from Lloyds or firing in an LBA? Or, as it's been nearly 10 months, should I be re-sending a preliminary to re-start my claim?

[GuidoT]

Without going into any detail regarding the OFT v Banks test case, it is business as usual, providing you have issued a Prelim and LBA then issue you claim form.

 

There are new templates in the library now adapted following the test case:

templates library