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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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LLOYDS TSB Charges


wondergirl
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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!!!;)

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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.

PPMAN159

 

If this comment has helped please click on the scales.

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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:-)

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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.

PPMAN159

 

If this comment has helped please click on the scales.

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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

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

PPMAN159

 

If this comment has helped please click on the scales.

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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

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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!!!!:mad:

 

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

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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

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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

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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

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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.

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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 :-)

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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

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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

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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?

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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

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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??

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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).

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