LLOYDS TSB Charges

[wondergirl]

Hello everyone,

 

this is my first post here.

 

I was charged a returned dd fee of £35 twice in this year... and after hearing something on TV about the OFT's investigation.. I looked for help... So here I am..

 

Any advice pertaining to Claiming with Lloyds TSB would be helpful.

 

Thank you in Advance people!!!

[PPMAN159]

You might want to phone your branch in the first instance to see if they will refund the £70-I do not see the point of sending in the letters just yet.

 

Obviously if they do not play ball then you can begin the process.

[jay_jay]

Hi Wondergirl

Welcome and Snap - my first time on here and also with LTSB.

 

I looked at the template library & followed the first letter asking for all statements & charges, sent the £10. and they arrived within 26 days. Now about to go for second letter requesting my money back. Dare I hope that it will go as smoothly!!!

Good luck & go girl:-)

[PPMAN159]

Heres hoping-but dont hold your breath.

 

Getting the statements is the relatively easy bit-getting them to give you your money back is a another matter.

 

Keep us posted.

[bennyowen]

Wondergirl,

 

Are you 100% sure that they have only charged you £70 since you opened your account? If yes, then you are only claiming back £70.

 

If they have charged you more, chances are you may not know how much and when. As a result, you will have to send a SAR letter to request your statements. See link below for template letters:

 

Letter Templates

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

 

 

Good luck

[wondergirl]

bennyowen

 

If they have charged me any thing more, would it not show in my Statements online???

 

Jeez the deeper I get into this the more I hate them!!!!

[PPMAN159]

Any charges should be reflected on your statements so take a look but be prepared for a shock should you find any.

[jay_jay]

Heres hoping-but dont hold your breath.

 

Getting the statements is the relatively easy bit-getting them to give you your money back is a another matter.

 

Keep us posted.

 

I know I'm probably in for a bumpy ride - but we've gotta keep at it...thanks....i'll keep you posted

[bennyowen]

bennyowen

 

If they have charged me any thing more, would it not show in my Statements online???

 

Jeez the deeper I get into this the more I hate them!!!!

 

Yes. However, if the whole statements are not shown online, the only way you know would be to request past statements using SAR letter.

[jay_jay]

HELP!!!!!!!!!!!!!!!!!

 

Can anyone advise as to the right address to send a request for my refund?

 

I have the statements & have worked out all charges, just not too sure where to send the letter. Have looked at contacts for LTSB, but cannot make up my mind which is the right address.

 

Help!!!!!!!!!!!!!!!!!!

 

Thanks in anticipation

[bennyowen]

Some people write to their local branch and still get result. However, you could also write to their registered address using the link below:

 

Contact details of banks

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

 

Make sure all your letters are sent RECORDED.

 

Good luck

[Stee03]

HELP!!!!!!!!!!!!!!!!!

 

Can anyone advise as to the right address to send a request for my refund?

 

I have the statements & have worked out all charges, just not too sure where to send the letter. Have looked at contacts for LTSB, but cannot make up my mind which is the right address.

 

Help!!!!!!!!!!!!!!!!!!

 

Thanks in anticipation

 

Hey everyone. Im new here. Im about to take on LloydsTSB as well as Barclays. I know lloyds is gonna be a tough one cause i used to work for them and know what there like. There main headquarters is Black Horse House in Swansea, although they like to say different. On another note, does anyone recommend a particular company to help with this? im in touch with FinancialClaimsUk and they seem to get results but i wanted to know if anyone has heard of them??? of course they take 10% of the final settlement but they regain your charges, interest for u and get your statements for u

[jay_jay]

Thanks for that.....I have decided to opt for the London address.

 

Right I'm over the first hurdle - now looking forward (with baited breath) for the next step, about to do my 'Oliver Twist' impression - Please Sir can I have my money back!!!!!!!!!!!!wish me luck guys & gals, and the very best to everyone out there...Go get em.

[PPMAN159]

If you dont get your cash you can always hit them with your bowl!

[Mulve!]

Hello, it is also my first time on this site and I have never made any posts on any site before. I have been with Lloyds TSB for 5 years now and I'm sure my charges will be in the thousands. I've just been on holiday for 3 weeks and come back to £160 of charges. I've heard that Lloyds nearly always take the process to the court stage? Have others experienced this?

 

Thanks, Mulve! x

[bennyowen]

Stee03,

 

I think you will be better off doing it yourself. There are many of these companies out there, be careful.

 

It is easy to do it yourself. You will gain some valuable experience in the process like fighting the bailiffs, refund of mortgage exit fee, etc.

 

Ask you questions here and you will get help and support.

 

Good luck

[Varangian3]

JJ

 

Did you put the charges into one of our spreadsheets?

 

You should do this now, because later you will probably need to claim for interest as well and only the spreadsheets calculates this for you.

 

Varangian

[Stee03]

Stee03,

 

I think you will be better off doing it yourself. There are many of these companies out there, be careful.

 

It is easy to do it yourself. You will gain some valuable experience in the process like fighting the bailiffs, refund of mortgage exit fee, etc.

 

Ask you questions here and you will get help and support.

 

Good luck

 

@bennyowen. Thank you for the reply. Im am pushing more towards doing it myself but im weiry of something. I get the feeling that whatever i ask for ie list of charges, statements etc they are gonna convieniently omit some information. I read a guy already had his info and asked the bank for them anyway just to test and what he recieved was missing a lot of charges he had records of. Does it not sound more "official" coming from an appointed company, where someone like lloyds would be weiry of sending these people inaccurate information?

[Guest Niklowe]

Hi everyone in this thread,

 

It is best if you start your own threads so that you can get individual attention.

 

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

Good luck all, you won't need it though

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

[wondergirl]

You might want to phone your branch in the first instance to see if they will refund the £70-I do not see the point of sending in the letters just yet.

 

Obviously if they do not play ball then you can begin the process.

 

Called up the telephone banking service and they said I need to write into

Lloyds TSB PLC

Box 1

BX1 1LT

 

Has anyone else got these instructions??

 

Should I write them an informal letter or take the one from this site??

[bennyowen]

If you write them an informal letter, you will get a fob off letter in return. This is the attitude of all the banks. It is only by lottery chance that they respond favourably.

 

I think you should write using the template on this site because it makes them aware you cannot be fobbed off.

 

I hope £70 is all they have taken in unlawful charges since you opened the account. If not, you should request all others in one letter (preliminary letter).

[PPMAN159]

I would always use the template letters from this site rather than drafting up your own version

[Stee03]

I would use the letters from this site. They have been well written and leave no room for a comprimise.

[bennyowen]

That's the way.