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jay_jay 'v's Lloyds TSB


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Hello to everyone,:-)

 

I am a first timer - please be gentle!!!!!

 

I started my journey at the end of Feb requesting all statements - quite impressed only took 26 days to come through - just about to embark on next step "please can I have my money back"......Can anyone confirm if Grisham Street is where the request letter should go?? Be gr8 to hear from anyone.

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Hi & Welcome!:)

I used:

 

Customer Care

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

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 :D

If I have helped, please click my scales:)

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I WON!!!! :D :D :D

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

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Thanks for that - I actually sent to that address for all statements & charges (address given to me from the Branch)

Is this where the preliminary request for refund goes as well? (My branch told me that due to high demand for claiming LTSB had set up a special centre (Birmingham) to deal soley with this.

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Hi to all,:)

 

Can some-body plz help?????? I am totally confused and have absolutely no idea what I am doing - embarrassed or what:mad:

 

Have sent first DPA letter got copies of charges back in 26 days!! Not actual statements but reading through other threads it appears that this is the norm? Do I send them with my preliminary request letter and do I claim for every amount on there.

 

I no nothing about spreadsheets & interest. Do I need to use a spreadsheet.?:-? . All the charges are listed as:- Unpaid D/D.....O/D excess fee......O/D interest......Unpaid cheque. Totalling these together is over £2,000. Am I right in stating that amount and Hope!!!!!!!!?????:evil:

 

Desperately need some help and guidance.

 

Thanks to anyone who can help. please...pretty please :p

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Hi to all,:-)

 

Can some-body plz help?????? I am totally confused and have absolutely no idea what I am doing - embarrassed or what:evil:

 

Have sent first DPA letter got copies of charges back in 26 days!! Not actual statements but reading through other threads it appears that this is the norm? Do I send them with my preliminary request letter and do I claim for every amount on there.

 

I no nothing about spreadsheets & interest. Do I need to use a spreadsheet.?:confused: . All the charges are listed as:- Unpaid D/D.....O/D excess fee......O/D interest......Unpaid cheque. Totalling these together is over £2,000. Am I right in stating that amount and Hope!!!!!!!!?????:evil:

 

Desperately need some help and guidance.

 

Thanks to anyone who can help. please...pretty please :p

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Have you read the step by step guide yet ? Give it a gander, will help you in the long run. It tell you what you need to do and when.

 

Step-By-Step

 

With the spreadsheet its just a matter of entering you charge types, dates and amounts. It adds it all up for you !

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Definitely read the step by step as advised by nanaman.

It is really comprehensive. However I cannot help with the interest because I decided to initially claim the bank charges only. I'm mathmatically challenged and decided for my own sanity to keep it simple.

 

Good luck

 

Brasic.

Brasic and Lloyds TSB

Followed the guidance on the site and won :D

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Hi to all,:-)

 

Can some-body plz help?????? I am totally confused and have absolutely no idea what I am doing - embarrassed or what:evil:

 

Don't worry, we all need to start somewhere. Take the time to read as much as you can, the better prepared you are the easier it will be.

 

Have sent first DPA letter got copies of charges back in 26 days!! Not actual statements but reading through other threads it appears that this is the norm? Do I send them with my preliminary request letter and do I claim for every amount on there.

 

It is now time to add them all up. Your prelim letter should say how much you are wanting back. Don't be surprised if they don't write back.

 

I no nothing about spreadsheets & interest. Do I need to use a spreadsheet.?:confused: . All the charges are listed as:- Unpaid D/D.....O/D excess fee......O/D interest......Unpaid cheque. Totalling these together is over £2,000. Am I right in stating that amount and Hope!!!!!!!!?????:evil:

 

You can claim back unpaid d/d, unpaid cheques and standing orders, and of course o/d excess fee. In my opinion calculating the O/D interest based on the charges is not the easiest thing to do, and unless it is a huge sum I would be inclined to leave it out. You never know, they may pick at that later on.

 

Next step is to put them in the spreadsheet, date, charge and reason for charge as this will help calculate your 8% interest. However, you don't actually claim the interest back until the court stages, so this should buy you a bit more time to get aquainted with the concept of interest. So time to put together your prelim, remember, you are not in any rush to get the prelime letter out, take your time to read up and when you are ready fire away.

 

Desperately need some help and guidance.

 

Thanks to anyone who can help. please...pretty please :p

 

No problem, there are loads of good people on this site that are always happy to help.

 

..

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Thanks for that info guys.

 

I have read through loads, but will read again....Like you say there is no rush.

 

Just gonna get down & study:)

 

Thanks again...........If I need any other info I'll be back.....

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:( Hi,

 

Have spent all day creating a spreadsheet - hopefully I have done it right. :confused:

 

I have listed aLL the charges for:....Unpaid D/D's....Unpaid Chqs......O/D excess fee.... and O/d interest....IS THIS CORRECT.????

 

I have done the prelim letter and am sending it to Gresham Street. London together with the spreadsheet. Do I have to send the charges print-out that LTSB sent to me????

 

Hopefully some-one out there can advise asap. I am hoping to send it tomorrow recorded delivery!!

Sincere thanks for any help

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I have listed aLL the charges for:....Unpaid D/D's....Unpaid Chqs......O/D excess fee.... and O/d interest....IS THIS CORRECT.????
Yes except OD interest unless it is interest that relates to just your charges

 

I have done the prelim letter and am sending it to Gresham Street. London together with the spreadsheet
Yes.
Do I have to send the charges print-out that LTSB sent to me????

No
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Hi

 

I have listed aLL the charges for:....Unpaid D/D's....Unpaid Chqs......O/D excess fee.... and O/d interest....IS THIS CORRECT.????

 

Is this O/d interest as it is written on your statements. If so you cannot claim this. There is a way of claiming some of this back but it's very complicated and often doesn't add up to much, unless you have a large claim.

 

The rest is fine.

 

I have done the prelim letter and am sending it to Gresham Street. London together with the spreadsheet. Do I have to send the charges print-out that LTSB sent to me????

 

You just need to send a copy of the printout from the spreadsheet

 

Hope this helps

Trev

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi all, :)

 

Well, finally finished the spreadsheet:D and have sent it today, recorded delivery, to Gresham Street, London - attached to the prelim letter. Now its a waiting game to see what, if anything, happens!!!! Feel quite chuffed that I have actually got this far and am going for it.

 

I am reading up on the next step, so that I am ready to send the LBA letter when their time is up.

 

Am I correct saying its 14 days from the date on the letter to send the next letter should they not have replied (which is more than likely!!)

 

Thanks for all your advice guys & gals & I will keep you posted.

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I would go for 14 days from when they received it. 1 extra day is no biggie, just makes you look a little bit fairer.

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  • 2 weeks later...

Hi :)

 

Guess what - got the 2-page 'bull....' letter this morning - implying that we are all idiots!

 

So the LBA letter goes off today - just a quick query as their letter came from Andover would you suggest my reply goes back there:confused:

 

Any advice would be appreciated,

Thanks,

Jay-jay

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Hello there,:)

 

Sent off the LBA letter (recorded) yesterday, now they have until 13th to reply. Would you suggest that I start filling in the N1 now - so that I can make 100% sure that it all tallies. ?

When I sent my original charges schedule I did not calculate the 8% interest - should I re-do the spreadsheet and submit that one should it get to Court (which is more than likely)?

Thanks for any advice,

JayJay

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Hi again

Yes there is no harm in starting filling it in, this link will help:

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

 

Yes I would do the spreadsheet with the 8% interest.

Barty:)

I WON!!!! :D :D :D

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

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...

Hi to all,:)

 

Just a quick query - LBA sent and deadline is Wednesday 16th. Have not heard anything (no surprises there then!) Have checked the N1 form - do I paste this into word - fill it in - and then send it or take it to my Local County Court? making 3 copies - do all 3 copies go to the Court?:confused: :confused: Should I ring the Court to make sure I get the correct address?

 

Any help would be greatly appreciated - I keep going all over this website, reading and searching, then forget where I saw something that might be helpful.....

Jay-Jay

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Hi to all,:)

 

Just a quick query - LBA sent and deadline is Wednesday 16th. Have not heard anything (no surprises there then!) Have checked the N1 form - do I paste this into word(No need to do that, you can complete it online and then print 3 copies out. Remember you cannot save any dada in the form though, so you will need to print it once completed) - fill it in - and then send it or take it to my Local County Court? (You can do either. If posting remember to send recorded) making 3 copies - do all 3 copies go to the Court?:confused: :confused: (yes, the Court has one, they send one to Lloyds and one back to you once they have been officialyy stamped) Should I ring the Court to make sure I get the correct address? (of the Court you mean ??)

 

Any help would be greatly appreciated - I keep going all over this website, reading and searching, then forget where I saw something that might be helpful.....(save the threads into your favorites, that way you wont have to keep searching for the ones you want)

Jay-Jay

 

I hope i have been helpful, if so PLEASE click the scales

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Hi everyone:)

 

Brief outline - all letters to LTSB have been answered with their normal no. LBA sent and the 14th day is up tomorrow (no answer). Am now getting the Court papers sorted - should I just go ahead and file in the Court or should I contact LTSB and advise that as they have not replied to my previous request I have no alternative but to persue court action?:-? Also does the spreadsheet now have to show the days plus interest as it is now being sent to the Court?

Hopefully some-one out there may know the answers?

Many thanks, Jay-Jay:)

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Hi jay jay,

 

From what i have read on the forum, i believe the advice would be to go straight ahead with your claim as you have already given them plenty of time to respond, and yes, you should now add the interest to your spreadsheet.

 

If i'm wrong on the above someone will hopefully correct me.

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